CMS Price Transparency Data

MRI, brain (with and without contrast)

Facility: Medical Center of the Rockies

Billing Code: 70553 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70553
Insurance Median: $1,274
Cash Discount Price: $2,952
vs. Medicare Baseline: 3.57x Medicare

The contracted insurance negotiated median rate for a MRI, brain (with and without contrast) at Medical Center of the Rockies is $1,274. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,952. Compared to the federal Medicare reimbursement reference rate of $356.43, this hospital’s rate is 3.57x the Medicare baseline. Located in 2500 Rocky Mountain Ave, Loveland, CO.

Cash / Self-Pay

$2,952

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,274

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$356.43

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $356.43 (100%)

Cash / Self-Pay: $2,952 (828%)

Insurance Median: $1,274 (357%)

Cash: $2,952 (828% of Medicare)

Ins. Median: $1,274 (357% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $356.43 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 357% of the Medicare baseline (a markup of 257%). 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	$359 - $3,487	101%
Blue Cross Blue Shield	$359 - $2,621	101%
Cigna	$359 - $1,187	101%
Cms	$359	101%
Devoted Health	$359	101%
Humana	$359	101%
Kaiser	$359	101%
Select Health	$359 - $1,796	101%
UnitedHealthcare	$359 - $1,274	101%
Simplified Benefits Administration	$574 - $3,331	161%
First Health	$2,488	698%
Denver Health Medical Plan	$3,289	923%
Midlands Choice	$3,795	1065%
Rocky Mountain Health Plans	$3,795	1065%
Multiplan	$3,837	1077%
Phcs	$3,837	1077%
First Choice Of The Midwest	$4,090	1147%

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 $2,952.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 70553.

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 70553.
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.