CMS Price Transparency Data

MRI, brain (with and without contrast)

Facility: Oswego Hospital

Billing Code: 70553 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70553
Insurance Median: $433
Cash Discount Price: $3,681
vs. Medicare Baseline: 1.21x Medicare

The contracted insurance negotiated median rate for a MRI, brain (with and without contrast) at Oswego Hospital is $433. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,681. Compared to the federal Medicare reimbursement reference rate of $356.43, this hospital’s rate is 1.21x the Medicare baseline. Located in 110 West Sixth Street, Oswego, NY.

Cash / Self-Pay

$3,681

Average discount available for prompt cash payment at this facility.

Insurance Median

$433

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: $3,681 (1033%)

Insurance Median: $433 (121%)

Cash: $3,681 (1033% of Medicare)

Ins. Median: $433 (121% 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
Aetna	$433 - $2,366	121%
Capital District Physicians Healthcare	$433	121%
Excellus Health Plan	$433 - $1,314	121%
Fedelis Care Ny	$433	121%
Humana	$433	121%
UnitedHealthcare	$433 - $3,582	121%
Wellcare Todays Option	$464	130%
Nascentia	$477	134%

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 $3,681.
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 Oswego Hospital 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.