What insured patients actually pay vs. what the same care costs on a cash-pay basis — for MRI, ER visits, urgent care, and specialist consults. Real figures from public price-transparency data, so you can see the spread before you schedule.
No subscription, no card hold. A flat $249 only if your appeal wins.
Paste or upload your EOB. We show billed vs. allowed vs. what you owe — in plain English.
Confirm whether a procedure, drug, or visit is covered — before you schedule or sign anything.
Generate a state-specific appeal letter for free. Pay $249 only if your appeal succeeds.
Insured shows the typical patient out-of-pocket (after deductible and coinsurance) when a claim goes through insurance. Cash shows the same procedure's price when you pay the hospital or imaging center directly, bypassing the insurer. The gap is what people find surprising.
High-deductible plans push the full negotiated rate to the patient until the deductible is met. Cash-pay MRI centers publish transparent pricing — typically 60–75% less than the insured rate.
Source: CMS Physician Fee Schedule lookup (CPT 70553), Turquoise Health MRF aggregates (top-50 US hospitals), FAIR Health Consumer national median.Out-of-network ER denials or post-stabilization denials shift the full facility + physician fee onto the patient. Stand-alone emergency centers publish bundled cash prices that often run a third of the insured total.
Source: CMS Hospital Price Transparency machine-readable files (cms.gov/price-transparency), national median ER level-3/4 facility fees; FAIR Health Consumer ER cost benchmarks.Insured copays of $50–$100 are common when in-network, but high-deductible plans and out-of-network urgent care routinely land in the $200–$400 range. Cash visits at chain clinics publish a flat fee on the front door.
Source: CMS PFS lookup (CPT 99214), Turquoise Health urgent-care MRF aggregates, FAIR Health Consumer urgent-care benchmarks.Once your plan's specialist coinsurance kicks in, a single new-patient visit runs $300+. Direct-care and concierge specialists publish flat-rate pricing on their site — typically half what you'd owe through insurance.
Source: AMA National Health Insurer Report Card (specialist coinsurance averages); CMS PFS RVU pricing for CPT 99243; FAIR Health Consumer specialist consult benchmarks.Figures are illustrative national medians and vary by region, network status, plan, and provider.
Estimate your out-of-pocket for a specific procedure under your specific plan. Free, no signup, and no insurer call required.
Estimate My Cost →Insured patients · self-pay patients · high-deductible plans · all welcome.