CMS Price Transparency Data

MRI, brain (no contrast)

Facility: HCA Florida Gulf Coast Hospital

Billing Code: 70551 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70551
Insurance Median: $3,110
Cash Discount Price: $10,211
vs. Medicare Baseline: 12.76x Medicare

The contracted insurance negotiated median rate for a MRI, brain (no contrast) at HCA Florida Gulf Coast Hospital is $3,110. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $10,211. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 12.76x the Medicare baseline. Located in 449 W 23Rd St, Panama City, FL.

Cash / Self-Pay

$10,211

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,110

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: $10,211 (4189%)

Insurance Median: $3,110 (1276%)

Cash: $10,211 (4189% of Medicare)

Ins. Median: $3,110 (1276% 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 1276% of the Medicare baseline (a markup of 1176%). 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
United	$518 - $4,595	212%
Aetna	$1,256 - $3,063	515%
Simply	$1,572	645%
Molina Healthcare	$1,940 - $3,267	796%
Corvel Corporation	$2,283	937%
Prime Health	$2,331	956%
Careworks (Rockport Community)	$2,403	986%
Sunshine State Health Plan	$2,604	1068%
Avmed	$3,110 - $5,105	1276%
Plotkin Health	$5,105	2094%
Prime Health Sheriff	$5,105	2094%
Multiplan	$7,964 - $8,679	3267%
Ppo Next	$8,679	3560%
Novanet	$9,190	3770%

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 $10,211.
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 HCA Florida Gulf Coast Hospital 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.