CMS Price Transparency Data

MRI, brain (no contrast)

Facility: Medical Center of the Rockies

Billing Code: 70551 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70551
Insurance Median: $1,197
Cash Discount Price: $2,169
vs. Medicare Baseline: 4.91x Medicare

The contracted insurance negotiated median rate for a MRI, brain (no contrast) at Medical Center of the Rockies is $1,197. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,169. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 4.91x the Medicare baseline. Located in 2500 Rocky Mountain Ave, Loveland, CO.

Cash / Self-Pay

$2,169

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,197

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$243.77

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $243.77 (100%)

Cash / Self-Pay: $2,169 (890%)

Insurance Median: $1,197 (491%)

Cash: $2,169 (890% of Medicare)

Ins. Median: $1,197 (491% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $243.77 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 491% of the Medicare baseline (a markup of 391%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Aetna	$243 - $2,563	100%
Blue Cross Blue Shield	$243 - $1,926	100%
Cigna	$243 - $1,187	100%
Cms	$243	100%
Devoted Health	$243	100%
Humana	$243	100%
Kaiser	$243	100%
Select Health	$243 - $1,320	100%
UnitedHealthcare	$243 - $1,274	100%
Simplified Benefits Administration	$574 - $2,448	235%
First Health	$1,828	750%
Denver Health Medical Plan	$2,417	992%
Midlands Choice	$2,789	1144%
Rocky Mountain Health Plans	$2,789	1144%
Multiplan	$2,820	1157%
Phcs	$2,820	1157%
First Choice Of The Midwest	$3,006	1233%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $2,169.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 70551.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Medical Center of the Rockies is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 70551.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.