CMS Price Transparency Data

MRI, brain (with and without contrast)

Facility: Humboldt County Memorial Hospital

Billing Code: 70553 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70553
Insurance Median: $2,601
Cash Discount Price: $3,007
vs. Medicare Baseline: 7.30x Medicare

The contracted insurance negotiated median rate for a MRI, brain (with and without contrast) at Humboldt County Memorial Hospital is $2,601. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,007. Compared to the federal Medicare reimbursement reference rate of $356.43, this hospital’s rate is 7.30x the Medicare baseline. Located in 1000 North 15Th Street, Humboldt, IA.

Cash / Self-Pay

$3,007

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,601

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: $3,007 (844%)

Insurance Median: $2,601 (730%)

Cash: $3,007 (844% of Medicare)

Ins. Median: $2,601 (730% 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 730% of the Medicare baseline (a markup of 630%). 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
Great West	$2,339	656%
Aetna	$2,372 - $2,506	665%
Health Partners	$2,372 - $2,673	665%
Physicians Mutual	$2,406	675%
Cigna	$2,506	703%
Phcs	$2,506	703%
Blue Cross Blue Shield	$2,601 - $2,907	730%
Humana	$2,601 - $2,840	730%
Iowa Health	$2,601	730%
Molina	$2,601 - $3,342	730%
Deanhealth	$2,673	750%
UnitedHealthcare	$3,208	900%
Wellpoint	$3,208 - $3,342	900%
Iowa Total Care	$3,342	938%

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 $3,007.
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 Humboldt County Memorial Hospital 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.