CMS Price Transparency Data

MRI, brain (with and without contrast)

Facility: Kirby Medical Center

Billing Code: 70553 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70553
Insurance Median: $388
Cash Discount Price: $4,200
vs. Medicare Baseline: 1.09x Medicare

The contracted insurance negotiated median rate for a MRI, brain (with and without contrast) at Kirby Medical Center is $388. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,200. Compared to the federal Medicare reimbursement reference rate of $356.43, this hospital’s rate is 1.09x the Medicare baseline. Located in 1000 Medical Center Drive, Monticello, IL.

Cash / Self-Pay

$4,200

Average discount available for prompt cash payment at this facility.

Insurance Median

$388

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: $4,200 (1178%)

Insurance Median: $388 (109%)

Cash: $4,200 (1178% of Medicare)

Ins. Median: $388 (109% 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.

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
Blue Cross Blue Shield	$84 - $6,860	24%
Aetna	$105 - $4,900	29%
Meridian	$105 - $2,170	29%
UnitedHealthcare	$105 - $4,823	29%
Wellcare	$105 - $2,170	29%
Molina	$109 - $2,235	31%
Zelis (Hfn)	$132 - $6,300	37%
Catepillar, Inc.	$211 - $5,950	59%
Humana	$415 - $5,250	116%
Healthlink	$628 - $6,300	176%
Multiplan/Phcs	$628 - $6,650	176%
Cigna	$5,600	1571%

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 $4,200.
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 Kirby Medical Center 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.