Knee MRI (with contrast) at CHI Saint Joseph Health - Saint Joseph Mount Sterling
225 FALCON DR, Mt. Sterling, KY · CommonSpirit Health · · NPI 1679679146
$1,132.80
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.
$3,091.00
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.
$646.95 with Wellcare vs $2,812.81 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 | Medicaid|All Plans | $646.95 | ↓ -43% |
| Aetna | Medicaid|Better Health | $710.93 | ↓ -37% |
| Humana | Medicaid|All Plans | $718.04 | ↓ -37% |
| United | Medicaid|All Plans | $725.15 | ↓ -36% |
| Passport by Molina | Medicaid|All Plans | $725.15 | ↓ -36% |
| BCBS - Anthem | Medicare|All Plans | $742.85 | ↓ -34% |
| Wellcare | Medicare|All Plans | $742.85 | ↓ -34% |
| Humana | Medicare|All Plans | $742.85 | ↓ -34% |
| BCBS - Anthem | Medicaid|All Plans | $746.48 | ↓ -34% |
| United | Medicare|All Plans | $757.71 | ↓ -33% |
| Aetna | Medicare|All Plans | $765.14 | ↓ -32% |
| Passport by Molina | Medicare|All Plans | $779.99 | ↓ -31% |
| BCBS - Anthem | Commercial|Pathway | $943.00 | ↓ -17% |
| BCBS - Anthem | Commercial|HMO PPO | $1,116.00 | ↓ -1% |
| United | Commercial|Options | $1,242.00 | ↑ +10% |
| United | Commercial|Non-Options | $1,242.00 | ↑ +10% |
| Humana | Commercial|All Plans | $1,329.13 | ↑ +17% |
| CareSource | Commercial|All Plans | $1,485.70 | ↑ +31% |
| Aetna | Commercial|PPO | $2,070.97 | ↑ +83% |
| Aetna | Commercial|HMO | $2,070.97 | ↑ +83% |
| Aetna | Commercial|All Other Plans | $2,070.97 | ↑ +83% |
| Multiplan | Commercial|All Plans | $2,812.81 | ↑ +148% |
Visitor-reported prices
Comments
Knee MRI (with contrast) at other Kentucky hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| CHI Saint Joseph Health - Saint Joseph Berea | Berea | $1,241.29 | $710.45 – $2,343.25 |
| CHI Saint Joseph Health - Saint Joseph London | London | $1,257.85 | $503.37 – $3,207.75 |
| CHI Saint Joseph Health - Saint Joseph East | Lexington | $993.35 | $567.00 – $2,250.43 |
| CHI Saint Joseph Health - Saint Joseph Hospital | Lexington | $1,185.52 | $530.64 – $2,055.69 |
| CHI Saint Joseph Health - Flaget Memorial Hospital | Bardstown | $1,096.35 | $455.82 – $2,351.44 |