CMS Price Transparency Data

CT scan, head (with contrast)

Facility: Fhn Memorial Hospital

Billing Code: 70460 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70460
Insurance Median: $434
Cash Discount Price: $1,906
vs. Medicare Baseline: 2.42x Medicare

The contracted insurance negotiated median rate for a CT scan, head (with contrast) at Fhn Memorial Hospital is $434. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,906. Compared to the federal Medicare reimbursement reference rate of $179.2, this hospital’s rate is 2.42x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$1,906

Average discount available for prompt cash payment at this facility.

Insurance Median

$434

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: $1,906 (1064%)

Insurance Median: $434 (242%)

Cash: $1,906 (1064% of Medicare)

Ins. Median: $434 (242% 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 242% of the Medicare baseline (a markup of 142%). 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	$52 - $2,386	29%
Health Alliance Mcr Adv	$52 - $188	29%
Humana	$52 - $3,388	29%
Quartz Mcr Adv	$52 - $188	29%
UnitedHealthcare	$52 - $3,341	29%
Osf Healthplans - All Plans	$92 - $4,283	51%
Ecoh Nihp	$112 - $2,698	63%
Ecoh - All Other Plans	$123 - $2,912	69%
Nihp Employ - All Plans	$123 - $2,698	69%
Blue Cross Blue Shield	$125 - $2,891	70%
The Alliance - All Plans	$145 - $2,568	81%
Meridian Health Plan - All Plans	$263 - $326	147%
Quartz - All Other Plans	$290 - $2,784	162%
Northern Il Hp - All Plans	$333 - $2,955	186%
Hfn - All Plans	$410 - $3,512	229%
Galaxy - All Plans	$434 - $3,855	242%
Health Alliance - All Other Plans	$434 - $3,855	242%
Interplan Health - All Plans	$434 - $3,855	242%
Midland Choice - All Plans	$434 - $4,069	242%
Multiplan Phcs - All Plans	$434 - $3,640	242%
Preferred Plan Ppo - All Plans	$434 - $3,855	242%
Wps - All Plans	$434 - $3,743	242%
Trustmark - All Plans	$444 - $3,940	248%
First Health - All Plans	$3,011	1680%
First Choice Il - All Plans	$3,640	2031%

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 $1,906.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 70460.

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 70460.
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.