Knee MRI (with and without contrast) at CHI Saint Joseph Health - Saint Joseph Mount Sterling
225 FALCON DR, Mt. Sterling, KY · CommonSpirit Health · · NPI 1679679146
$1,235.78
Cash price Discounted cash price What a hospital charges a self-pay patient who pays directly, without going through insurance — usually well below the gross charge. Example: A CT scan has a $3,200 gross charge but an $850 discounted cash price. Ask for it by name when scheduling — hospitals don't always advertise it up front.
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What you pay up front if you don't use insurance.
$3,372.00
Gross charge Gross charge (chargemaster price) The hospital's full, undiscounted list price — pulled from its internal "chargemaster" price list. Almost no one actually pays this. Example: A chest X-ray has a gross charge of $1,450. The same hospital's discounted cash price for the same X-ray is $180 — the gross charge mostly anchors negotiations, not what patients pay.
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The hospital's undiscounted list price — almost no one pays this.
$335.79 with Wellcare vs $2,223.13 with Multiplan — same scan, same building. Share
Negotiated rates by payer
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Negotiated rate
The price a specific insurance plan agreed to pay the hospital for a service — it varies by insurer, and even by plan within the same insurer.
Example: The same knee MRI has a negotiated rate of $904 with one insurer's PPO plan and $1,509 with another's — identical hospital, identical scan.
Full explanation →
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Negotiated rate
The price a specific insurance plan agreed to pay the hospital for a service — it varies by insurer, and even by plan within the same insurer.
Example: The same knee MRI has a negotiated rate of $904 with one insurer's PPO plan and $1,509 with another's — identical hospital, identical scan.
Full explanation →Payer ?Payer The insurance company footing the bill — Aetna, UnitedHealthcare, Medicare, and so on. Example: "Blue Cross Blue Shield" is the payer. Its negotiated rate for an MRI might be $904, while a different payer's negotiated rate for the same scan is $1,509. Full explanation → |
Plan ?Plan The specific product an insurer sells — e.g. "Blue Cross PPO 500" — which sets your deductible, coinsurance and negotiated rates. Example: Two people both insured by Aetna can owe very different amounts for the same MRI: $50 with an HMO plan's flat copay, or the full $1,200 toward a high-deductible PPO plan's unmet deductible. Full explanation → |
Negotiated rate | vs. cash |
|---|---|---|---|
| Wellcare | Medicare|All Plans | $335.79 | ↓ -73% |
| BCBS - Anthem | Medicare|All Plans | $335.79 | ↓ -73% |
| Humana | Medicare|All Plans | $335.79 | ↓ -73% |
| United | Medicare|All Plans | $342.51 | ↓ -72% |
| Aetna | Medicare|All Plans | $345.86 | ↓ -72% |
| Passport by Molina | Medicare|All Plans | $352.58 | ↓ -71% |
| Wellcare | Medicaid|All Plans | $511.32 | ↓ -59% |
| Aetna | Medicaid|Better Health | $561.89 | ↓ -55% |
| Humana | Medicaid|All Plans | $567.51 | ↓ -54% |
| United | Medicaid|All Plans | $573.13 | ↓ -54% |
| Passport by Molina | Medicaid|All Plans | $573.13 | ↓ -54% |
| BCBS - Anthem | Medicaid|All Plans | $589.99 | ↓ -52% |
| CareSource | Commercial|All Plans | $671.58 | ↓ -46% |
| BCBS - Anthem | Commercial|Pathway | $943.00 | ↓ -24% |
| Humana | Commercial|All Plans | $1,050.49 | ↓ -15% |
| BCBS - Anthem | Commercial|HMO PPO | $1,116.00 | ↓ -10% |
| United | Commercial|Non-Options | $1,242.00 | ↑ +1% |
| United | Commercial|Options | $1,242.00 | ↑ +1% |
| Aetna | Commercial|PPO | $1,636.81 | ↑ +32% |
| Aetna | Commercial|All Other Plans | $1,636.81 | ↑ +32% |
| Aetna | Commercial|HMO | $1,636.81 | ↑ +32% |
| Multiplan | Commercial|All Plans | $2,223.13 | ↑ +80% |
Visitor-reported prices
Comments
Knee MRI (with and without contrast) at other Kentucky hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| CHI Saint Joseph Health - Saint Joseph Berea | Berea | $1,644.77 | $941.38 – $3,104.92 |
| CHI Saint Joseph Health - Saint Joseph London | London | $1,319.58 | $528.08 – $3,365.18 |
| CHI Saint Joseph Health - Saint Joseph East | Lexington | $1,079.30 | $567.00 – $2,445.17 |
| CHI Saint Joseph Health - Saint Joseph Hospital | Lexington | $1,154.16 | $567.00 – $2,229.50 |
| CHI Saint Joseph Health - Flaget Memorial Hospital | Bardstown | $2,090.01 | $868.95 – $4,482.66 |
| Adventhealth Manchester | Manchester | $5,540.18 | $327.35 – $327.35 |