CMS Price Transparency Data

CT scan, head (with and without contrast)

Facility: Fhn Memorial Hospital

Billing Code: 70470 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70470
Insurance Median: $520
Cash Discount Price: $1,932
vs. Medicare Baseline: 2.90x Medicare

The contracted insurance negotiated median rate for a CT scan, head (with and without contrast) at Fhn Memorial Hospital is $520. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,932. Compared to the federal Medicare reimbursement reference rate of $179.2, this hospital’s rate is 2.90x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$1,932

Average discount available for prompt cash payment at this facility.

Insurance Median

$520

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$179.2

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $179.2 (100%)

Cash / Self-Pay: $1,932 (1078%)

Insurance Median: $520 (290%)

Cash: $1,932 (1078% of Medicare)

Ins. Median: $520 (290% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $179.2 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 290% of the Medicare baseline (a markup of 190%). 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	$58 - $2,368	32%
Health Alliance Mcr Adv	$58 - $188	32%
Humana	$58 - $3,363	32%
Quartz Mcr Adv	$58 - $188	32%
UnitedHealthcare	$58 - $3,317	32%
Osf Healthplans - All Plans	$102 - $4,252	57%
Ecoh Nihp	$126 - $2,679	70%
Ecoh - All Other Plans	$139 - $2,891	78%
Nihp Employ - All Plans	$139 - $2,679	78%
Blue Cross Blue Shield	$140 - $2,870	78%
The Alliance - All Plans	$164 - $2,549	92%
Meridian Health Plan - All Plans	$186 - $263	104%
Quartz - All Other Plans	$346 - $2,764	193%
Northern Il Hp - All Plans	$398 - $2,934	222%
Hfn - All Plans	$491 - $3,487	274%
Galaxy - All Plans	$520 - $3,827	290%
Health Alliance - All Other Plans	$520 - $3,827	290%
Interplan Health - All Plans	$520 - $3,827	290%
Midland Choice - All Plans	$520 - $4,040	290%
Multiplan Phcs - All Plans	$520 - $3,614	290%
Preferred Plan Ppo - All Plans	$520 - $3,827	290%
Wps - All Plans	$520 - $3,716	290%
Trustmark - All Plans	$531 - $3,912	296%
First Health - All Plans	$2,989	1668%
First Choice Il - All Plans	$3,614	2017%

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 $1,932.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 70470.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Fhn Memorial Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 70470.
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.