CMS Price Transparency Data

MRI, brain (no contrast)

Facility: Jersey City Medical Center

Billing Code: 70551 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70551
Insurance Median: $488
Cash Discount Price: $681
vs. Medicare Baseline: 2.00x Medicare

The contracted insurance negotiated median rate for a MRI, brain (no contrast) at Jersey City Medical Center is $488. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $681. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 2.00x the Medicare baseline. Located in 355 Grand Street, Jersey City, NJ.

Cash / Self-Pay

$681

Average discount available for prompt cash payment at this facility.

Insurance Median

$488

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$243.77

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $243.77 (100%)

Cash / Self-Pay: $681 (279%)

Insurance Median: $488 (200%)

Cash: $681 (279% of Medicare)

Ins. Median: $488 (200% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $243.77 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 200% of the Medicare baseline (a markup of 100%). 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
Wellpoint	$135 - $285	55%
Blue Cross Blue Shield	$285 - $2,976	117%
Humana	$285	117%
Aetna	$285 - $991	117%
Fidelis Care	$285 - $922	117%
Clover Health	$285	117%
UnitedHealthcare	$290 - $904	119%
Cigna	$326 - $436	134%
Emblem Health	$541	222%
Wellcare	$566	232%
Amerihealth	$664	272%
First Health	$1,967	807%
Qualcare Inc	$2,010 - $3,317	825%

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 $681.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 70551.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Jersey City Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 70551.
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.