CMS Price Transparency Data

MRI, brain (no contrast)

Facility: Beloit Health System

Billing Code: 70551 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70551
Insurance Median: $2,756
Cash Discount Price: $1,414
vs. Medicare Baseline: 11.31x Medicare

The contracted insurance negotiated median rate for a MRI, brain (no contrast) at Beloit Health System is $2,756. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,414. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 11.31x the Medicare baseline. Located in 1969 W Hart Rd, Beloit, WI.

Cash / Self-Pay

$1,414

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,756

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: $1,414 (580%)

Insurance Median: $2,756 (1131%)

Cash: $1,414 (580% of Medicare)

Ins. Median: $2,756 (1131% 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 1131% of the Medicare baseline (a markup of 1031%). 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	$127 - $5,005	52%
Blue Cross Blue Shield	$127 - $3,636	52%
Dean Health	$127 - $2,948	52%
Independent Care Health Plan	$127 - $251	52%
Quartz	$127 - $3,425	52%
UnitedHealthcare	$127 - $3,143	52%
Naphcare	$190 - $3,161	78%
Cook Children'S Health Plan (Cchp)	$251 - $2,634	103%
Humana	$251 - $3,951	103%
Managed Health Services	$251	103%
Molina Healthcare	$251	103%
Wellcare	$251	103%
The Alliance	$481 - $1,004	197%
Wps	$633 - $3,902	260%
Wea Trust	$2,493 - $2,898	1023%
Multiplan	$3,627 - $4,215	1488%
Health Eos	$4,035 - $4,794	1655%
Cigna	$4,171 - $5,005	1711%
Hfn	$4,171 - $5,005	1711%
Preferred Network Access	$4,171 - $5,005	1711%

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 $1,414.
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 Beloit Health System 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.