CMS Price Transparency Data

MRI, brain (with and without contrast)

Facility: Hackensack University Medical Center

Billing Code: 70553 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70553
Insurance Median: $1,553
Cash Discount Price: $421
vs. Medicare Baseline: 4.36x Medicare

The contracted insurance negotiated median rate for a MRI, brain (with and without contrast) at Hackensack University Medical Center is $1,553. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $421. Compared to the federal Medicare reimbursement reference rate of $356.43, this hospital’s rate is 4.36x the Medicare baseline. Located in 30 Prospect Ave, Hackensack, NJ.

Cash / Self-Pay

$421

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,553

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: $421 (118%)

Insurance Median: $1,553 (436%)

Cash: $421 (118% of Medicare)

Ins. Median: $1,553 (436% 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 436% of the Medicare baseline (a markup of 336%). 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
Karna	$196 - $630	55%
UnitedHealthcare	$336 - $1,138	94%
Blue Cross Blue Shield	$421	118%
Horizon	$421 - $5,491	118%
Vaccn	$421	118%
Wellcare	$421	118%
United Community/Americhoice	$442	124%
Aetna	$445 - $1,413	125%
Cigna	$672 - $4,505	189%
Clover	$1,014	284%
Oxford	$1,138	319%
Amerihealth	$1,535	431%
Chn	$1,571	441%
Seoul Medical Group	$1,610	452%
Intergroup	$3,942	1106%
Bergen Risk	$4,332	1215%
Brighton Health Plan	$4,448	1248%
Activecare First McO	$4,786	1343%
Multiplan - PHCS	$4,786	1343%
Lhp Health	$4,947	1388%
Qualcare	$4,967	1394%

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 $421.
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 Hackensack University 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.