MRI, brain (no contrast)
Facility: Watsonville Community Hospital
Billing Code: 70551 (CPT)
- CPT Billing Code: 70551
- Insurance Median: $3,800
- Cash Discount Price: $8,216
- vs. Medicare Baseline: 15.59x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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 1559% of the Medicare baseline (a markup of 1459%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Alliance/Sccho | $256 | 105% |
| Well Path | $273 - $13,693 | 112% |
| Ccs/Monterey County | $273 | 112% |
| Medi-Cal E.R. | $273 | 112% |
| Medi-Cal/Eds | $273 | 112% |
| Medicaid / KanCare | $273 | 112% |
| California Childrens Srvs | $273 | 112% |
| Healthy Families | $273 | 112% |
| Great-West/Phcs | $485 - $9,585 | 199% |
| Blue Cross Blue Shield | $485 - $6,507 | 199% |
| Health Net Pmg HMO | $485 - $8,586 | 199% |
| Secure Horizons Dign HMO | $485 - $2,739 | 199% |
| UnitedHealthcare | $485 - $3,100 | 199% |
| Pacificare HMO | $485 - $3,100 | 199% |
| Blue Shield HMO | $485 - $2,739 | 199% |
| Aetna | $485 - $7,564 | 199% |
| Cigna | $485 - $9,585 | 199% |
| Health Net Smartcare Netw | $1,525 - $3,100 | 626% |
| Pacificare PPO | $1,525 - $3,100 | 626% |
| City of Wats/Pinnacle Clm | $2,112 - $6,507 | 866% |
| Operating Engineers | $2,112 - $6,507 | 866% |
| Teamsters Benefit Trust | $2,112 - $6,507 | 866% |
| State Compensation Fund | $2,112 - $6,507 | 866% |
| Delta Health Systems | $2,112 - $6,507 | 866% |
| Monterey Bay Pub Emp Trst | $2,112 - $6,507 | 866% |
| Carpenters H&W Trust | $2,112 - $6,507 | 866% |
| Robert Kennedy/Ccn | $2,112 - $6,507 | 866% |
| Laborers Health & Welfare | $2,112 - $6,507 | 866% |
| Sheet Metal Workers | $2,112 - $6,507 | 866% |
| Western Growers Trust/Bc | $2,112 - $6,847 | 866% |
| Claims Management Wc | $2,112 - $6,507 | 866% |
| Calif Ironworkers Field | $2,112 - $6,507 | 866% |
| Pinnacle Claims Tpa/Bc | $2,112 - $6,847 | 866% |
| Victim Compensation Plan | $2,465 - $13,693 | 1011% |
| Medicruz | $2,465 | 1011% |
| Geha (Ccn) | $3,200 - $10,955 | 1313% |
| Adventist Risk Management | $3,200 - $10,955 | 1313% |
| First Health | $3,200 - $10,955 | 1313% |
| Transwestern | $3,200 - $10,955 | 1313% |
| Western Health Advantage | $6,847 | 2809% |
| Self Pay | $8,216 | 3370% |
| Health Net of California | $8,586 | 3522% |
| Health Net Blue and Gold | $8,586 | 3522% |
| Health Net Canopycare HMO | $8,586 | 3522% |
| Multiplan Inc PPO | $10,681 | 4382% |
| Private Healthcare System | $10,681 | 4382% |
| Coastal Healthcare Admin | $11,639 - $12,324 | 4775% |
| Salinas Valley Mem Hops | $11,639 | 4775% |
| Apwu Health Plan | $13,693 | 5617% |
| Travelers Insurance | $13,693 | 5617% |
| Prucare Pmg POS | $13,693 | 5617% |
| Aarp | $13,693 | 5617% |
| Miscellaneous Insurance | $13,693 | 5617% |
| United Administrative | $13,693 | 5617% |
| Allstate | $13,693 | 5617% |
| Wholesale Beer Distributo | $13,693 | 5617% |
| Bankers Life & Casualty | $13,693 | 5617% |
| Farmers Insurance | $13,693 | 5617% |
| Aaa | $13,693 | 5617% |
| North Calif Bakery Driver | $13,693 | 5617% |
| Humana | $13,693 | 5617% |
| Zenith National Ins | $13,693 | 5617% |
| Miscellaneous Auto | $13,693 | 5617% |
| Sutter Health Plus | $13,693 | 5617% |
| Prucare Pmg HMO | $13,693 | 5617% |
| Physicians Mutual | $13,693 | 5617% |
| State Farm Ins | $13,693 | 5617% |