Mra, w/o&w/dye, spinal canal at BAYLOR SCOTT & WHITE MEDICAL CENTER - MCKINNEY
5252 W. University Drive, McKinney, TX · Baylor Scott & White Health · · NPI 1124305065
$1,590.76
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.
$2,651.26
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.
$332.94 with Baylor Scott & White Health Plan vs $2,699.00 with United Healthcare — 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 |
|---|---|---|---|
| Baylor Scott & White Health Plan | Medicare Advantage | $332.94 | ↓ -79% |
| CORVEL | Worker's Compensation | $339.95 | ↓ -79% |
| Aetna | Medicare Advantage | $350.46 | ↓ -78% |
| Humana | Medicare | $350.46 | ↓ -78% |
| TriWest | Community Care Network | $350.46 | ↓ -78% |
| Blue Cross Blue Shield | Medicare Advantage | $367.98 | ↓ -77% |
| ProCare Advantage | Medicare Advantage | $367.98 | ↓ -77% |
| Superior Health Plan | Medicare | $367.98 | ↓ -77% |
| HealthSpring | Medicare Advantage | $367.98 | ↓ -77% |
| American Health Plan | Medicare Advantage | $367.98 | ↓ -77% |
| United Healthcare | Medicare Advantage | $392.52 | ↓ -75% |
| Baylor Scott & White Health Plan | BSW Premier - Small Group | $420.55 | ↓ -74% |
| Baylor Scott & White Health Plan | BSW Premier - Individual | $439.83 | ↓ -72% |
| Prime Health Services | Worker's Compensation | $441.93 | ↓ -72% |
| Superior Health Plan | Medicaid | $450.71 | ↓ -72% |
| United Healthcare | Medicaid/CHIP | $482.26 | ↓ -70% |
| Sedgwick | Preferred Network | $523.94 | ↓ -67% |
| Baylor Scott & White Health Plan | BSW Plus - Small Group | $578.26 | ↓ -64% |
| Superior Ambetter | Ambetter Exchange | $753.49 | ↓ -53% |
| Blue Cross Blue Shield | Blue Advantage | $763.70 | ↓ -52% |
| Mark Cuban | Commercial | $952.69 | ↓ -40% |
| Blue Cross Blue Shield | Blue Premier/High Performance Network/My BlueHealth | $1,080.64 | ↓ -32% |
| Employers Health Network | BSWQA Direct/EHN Rental | $1,246.09 | ↓ -22% |
| Blue Cross Blue Shield | City of Dallas | $1,451.03 | ↓ -9% |
| Employers Health Network | EHN Network | $1,458.19 | ↓ -8% |
| QuikTrip | Employee Benefit Plan | $1,458.19 | ↓ -8% |
| Blue Cross Blue Shield | Blue Essentials (HMO) | $1,531.22 | ↓ -4% |
| Blue Cross Blue Shield | BlueChoice (PPO) | $1,611.41 | ↑ +1% |
| Imagine Health | Commercial | $1,718.00 | ↑ +8% |
| Curative | Commercial | $1,723.32 | ↑ +8% |
| Baylor Scott & White Health Plan | BSW Premier - Large Group/BSW Premier Direct to Employer (Rate 1)/BSWH Employee | $1,818.14 | ↑ +14% |
| Humana | Commercial PPO | $1,855.88 | ↑ +17% |
| HealthSmart | Accel Network | $1,855.88 | ↑ +17% |
| First Health | PPO | $1,855.88 | ↑ +17% |
| Cigna | Local Plus | $1,952.00 | ↑ +23% |
| Private Health Care System | PHCS Network | $1,988.44 | ↑ +25% |
| HealthSmart | Preferred Network | $1,988.44 | ↑ +25% |
| Baylor Scott & White Health Plan | BSW Plus - Large Group/BSW Premier Direct to Employer (Rate 2) | $2,138.99 | ↑ +34% |
| University of Mary Hardin-Baylor | Commercial | $2,149.00 | ↑ +35% |
| Cigna | HMO/PPO | $2,297.00 | ↑ +44% |
| United Healthcare | Charter | $2,429.00 | ↑ +53% |
| United Healthcare | Nexus | $2,429.00 | ↑ +53% |
| Aetna | Commercial | $2,577.00 | ↑ +62% |
| United Healthcare | Commercial Broad | $2,699.00 | ↑ +70% |
Visitor-reported prices
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Mra, w/o&w/dye, spinal canal at other Texas hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| BAYLOR SCOTT & WHITE THE HEART HOSPITAL - MCKINNEY | McKinney | $1,590.76 | $332.94 – $2,149.00 |
| BAYLOR SCOTT & WHITE EMERGENCY MEDICAL CENTER - CEDAR PARK | Cedar Park | $1,590.76 | $332.94 – $2,386.13 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - FRISCO AT PGA PARKWAY | Frisco | $1,590.76 | $332.94 – $2,149.00 |
| BAYLOR SCOTT & WHITE MCLANE CHILDREN'S MEDICAL CENTER | Temple | $1,590.76 | $332.94 – $2,577.00 |
| BAYLOR SCOTT & WHITE THE HEART HOSPITAL - DENTON | Denton | $1,590.76 | $291.64 – $2,577.00 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - PFLUGERVILLE | Suite 100 | $1,590.76 | $291.64 – $2,577.00 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - PLANO | Plano | $1,590.76 | $318.15 – $2,149.00 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - TAYLOR | Taylor | $1,590.76 | $503.74 – $2,577.00 |