Island Hospital

AnacortesSkagit CountyAcute Care Hospitals

Heart MRI without contrast

Quality: 4 of 5 (CMS overall rating)Earliest available date: call (360) 299-1300

What you may pay

With insurance from an employer or private plan: $369 to $1,650Depends on your plan. Each plan’s price at this hospital:
Kaiser $369 Lower than typical
Coordinated Care: COCARE Ambetter Cascade $456 Lower than typical
United Healthcare $1,650 Higher than typical
United Healthcare: GEHA $1,650 Higher than typical
The 2 lowest and 2 highest of 7 plans. Find yours in the table below.Typical at 31 hospitals we cover: $670 to $917 (each hospital’s middle plan price, hospital’s fee). Don’t see your plan? Ask your insurer for its rate here.
Paying yourself (cash price): No cash price posted. Ask the hospital for a Good Faith Estimate.

These are prices the hospital published, not a quote. With insurance you usually pay part of the rate (your deductible and coinsurance); the estimator on the procedure page works it out. A higher price does not mean better care.

Doctors usually bill separately. At most hospitals these are the hospital’s own charges. The surgeon, radiologist, anesthesiologist or pathologist usually sends a separate bill: ask each of them for an estimate too.

Source: Island Hospital’s own price file. CareNavIQ last refreshed prices on 2026-11-05.

Next step: ask the hospital for a Good Faith Estimate for this procedure (phone number above).

Bills to expect

A procedure usually brings several bills, each from whoever did that part of your care. Here is what to expect, with what Traditional Medicare allows for each doctor’s part in this area (Washington outside King County) and an estimate for private plans.

Separate bills for this procedure and their estimated amounts
Bill	Who sends it	How likely	Status	Traditional Medicare allows	Private plans (estimate)
Hospital's feeThe scan: equipment and technologist	The hospital	Expected	Published by the hospital: the prices above	—	—
RadiologistReading the scan and writing the report	The radiology group	Expected	Billed separately; amount estimated	$109	$129 to $196
Ordering doctor's visitThe visit where the MRI is ordered or the results are explained	Your doctor	Possible	Billed separately; not priced	—	—

What you’d pay for these bills

Adds up your share of the hospital’s bill and the expected doctors’ bills above (not the possible ones). What you type stays in your browser.

Your coverage Insurance from an employer or a private plan Traditional Medicare Medicare Advantage Apple Health (Medicaid)

Your plan’s price at this hospitalDeductible you still have to pay this yearYour coinsurance after the deductibleOut-of-pocket maximum you have left this year (optional)

Your plan’s summary of benefits says how it charges for each kind of care. Leave these as they are if it uses the deductible and coinsurance.

The hospital's billHow your plan charges

The bill from the doctor doing the procedureHow your plan charges

You pay about $100 to $113 of about $498 to $565 billed to your plan.

Your share of the hospital's bill is about $74; the rest is your share of the doctors' bills. The doctors' bills are estimates. Enter your out-of-pocket maximum to see whether you'd reach it. Assumes everyone is in your network.

How each bill comes to you

Each provider sends a claim to your plan. It applies its allowed amount, then your deductible, copay and coinsurance, and sends you an Explanation of Benefits. Then the provider bills you the “You owe” line. Bills are in the order your plan is assumed to process them, the hospital first. The doctors' bills are estimates.

Show the bills at the lower estimate the higher estimate

Hospital's feeSent by the hospital
The provider's chargeThe hospital's price file doesn't list one charge for this; in network it doesn't change what you owe.
Not published
Allowed amountWhat the insurer counts for this bill.
$369
Your plan pays
$295
Your coinsurance
$73.83
You oweThe provider bills you this after the insurer pays.
$73.83
RadiologistSent by the radiology group
The provider's chargeDoctors don't publish their charges; in network it doesn't change what you owe.
Not published
Allowed amountWhat the insurer counts for this bill.
$129
Your plan pays
$103
Your coinsurance
$25.80
You oweThe provider bills you this after the insurer pays.
$25.80

All bills: allowed amounts: $498
Your plan pays: $399
You owe in all: $99.63

Who owes what, and when you might owe more

The insurance adjustment Written off
An in-network provider agrees to accept your plan's allowed amount. The difference between its charge and that amount is written off: you don't owe it, and it shouldn't appear on your bill.
Deductible You pay
What you pay each year before your plan starts sharing costs. It is applied to bills in the order your plan processes them, so the first bill can take all of it.
Copay You pay
A fixed amount for a kind of care, such as a hospital stay or a surgeon's visit. Your plan's summary of benefits says whether it applies before or after the deductible, and whether a stay's copay is per day.
Coinsurance You pay
Your percentage of the allowed amount after the deductible, such as 20%.
Out-of-pocket maximum Your plan pays
Once your deductible, copays and coinsurance for the year reach it, your plan pays 100% of covered in-network care for the rest of the plan year.
Each provider bills separately You pay
The hospital, surgeon, anesthesia group, radiologist and pathologist each send their own claim and their own bill. All of them count toward the same deductible and yearly maximum.
Out of network and surprise bills It depends
A provider outside your plan's network can bill you the difference between its charge and what your plan pays (a balance bill). It can't for emergency care, or when anesthesia, radiology, pathology, an assistant surgeon or a hospital doctor treats you at an in-network hospital: under federal law (the No Surprises Act) and, for Washington-regulated plans and self-funded plans that opt in, RCW 48.49, those groups cannot balance bill you. Your deductible and coinsurance still apply, at in-network amounts.
Not covered, or no prior authorization It depends
If your plan decides a service isn't covered, or it needed prior authorization that wasn't approved, the plan pays nothing for it and the provider may bill you. Ask the provider to get prior authorization before your care. If an in-network provider didn't get it, the provider's contract may stop it billing you: ask your plan before you pay.
A second insurance It depends
If you have a second plan, the first plan pays first and the second may then pay some or all of your share. These estimates use one plan only.
Wait for the Explanation of Benefits You pay
After each claim your insurer sends an Explanation of Benefits (EOB) with the allowed amount, what it paid and what you may owe. It is not a bill. Pay a provider's bill only when it matches the EOB's “you may owe” amount, and ask the provider or insurer about any difference.
Help from the hospital It depends
Washington hospitals must give free or discounted care based on income, including deductibles and coinsurance for insured patients: free up to 200% or 300% of the federal poverty level depending on the hospital, with discounts above that (RCW 70.170). You can apply after you get a bill. It covers the hospital's bill; doctor groups that bill separately have their own policies.
If you pay yourself instead You pay
You can choose not to use your insurance and pay the cash price; then nothing counts toward your deductible. Ask each provider for a Good Faith Estimate. If a bill is $400 or more above it, you can dispute it within 120 days.

Get it confirmed before your care

The hospital, each doctor’s group and your insurer can each confirm their part in writing. Here is a request for each one, ready to send from your own email, and what to say if you’d rather call. Nothing you do here is saved.

Coming: CareNavIQ will be able to send these for you, follow up, and tell you when everything is confirmed, with your permission.

How you’ll payWith insurancePaying myself, without insurance

Island Hospital

The largest bill.

Request to send

Subject: Estimate request: heart mri without contrast at Island Hospital

Hello,

I am planning a heart mri without contrast (billing code CPT 75557) at Island Hospital.

Under Washington law (RCW 70.01.030), I am asking for a written estimate of the hospital's charges, with the billing codes you plan to use.

Name: [YOUR NAME]
Date of birth: [DATE OF BIRTH]
Insurance: [PLAN NAME], member ID [MEMBER ID]
Planned date: [DATE, IF KNOWN]

Thank you.

Replace the words in [brackets] with your details before you send it.

Open in my email

If you call. Call (360) 299-1300 and ask for the price estimate or patient financial services line. Say: "I'd like a written estimate for my heart mri without contrast."

I’ve sent this one

0 of 3 sent. Washington law gives you the right to these estimates but sets no deadline: if you haven't heard back in five business days, send it again or call.

How these are worked out. Medicare amounts are CMS’s 2026 physician fee schedule for this area, at the rate for care in a hospital. Private-plan estimates are 118% to 179% of Medicare for doctors (the range across 19 studies in KFF’s review of what private insurers pay) and 3 to 5 times Medicare for anesthesia (a published industry estimate). Anesthesia is paid by the minute, so its range assumes the time shown. Medicare pays an assistant at surgery 13.6% to 16% of the surgeon’s fee. Where we have your insurer’s own published rates for the doctors here (below), the estimator uses those for that insurer’s employer plans instead. Your plan’s own rates may be outside these ranges: ask each office for an estimate, and for its network status. At an in-network hospital, the anesthesia, radiology, pathology and assistant groups can’t charge you more than your in-network cost share, even if they are out of network (No Surprises Act).

41 published prices, grouped by who each price applies to.

Commercial insurance 21 prices

Rate negotiated with a private insurer or employer plan, including exchange and public-option plans.

Commercial insurance prices for Heart MRI without contrast at Island Hospital
Payer	Plan	Price	Part of the bill	Hospital’s description	How it’s set	Setting	Source date
Coordinated Care	Ambetter	$513	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
Coordinated Care	COCARE Ambetter Cascade	$456	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
Coordinated Care	Cascase Select plan	$456	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
Kaiser	Commercial	$369	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
Lifewise Health Plan of WA	Alpine	$456	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
United Healthcare	Commercial	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	Commercial	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	Commercial	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	Commercial	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	Commercial	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	Commercial	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	Commercial	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	Commercial	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	GEHA	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	GEHA	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	GEHA	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	GEHA	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	GEHA	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	GEHA	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	GEHA	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—
United Healthcare	GEHA	$1,650	Hospital’s fee	CARDIAC MRI FOR MORPH	other	Outpatient	—

Medicare Advantage 11 prices

Rate for a private Medicare Advantage plan. Applies only to members of that plan.

Medicare Advantage prices for Heart MRI without contrast at Island Hospital
Payer	Plan	Price	Part of the bill	Hospital’s description	How it’s set	Setting	Source date
Aetna	Medicare Advantage	$299	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
Humana	Medicare Advantage	$285	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
Kaiser	Medicare Advantage	$285	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
Optum Care Network	AARP Medicare OCN	$290	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
Optum Care Network	Humana Medicare OCN	$290	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
Optum Care Network	UHC Medicare OCN	$290	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
Premera	Medicare Advantage	$299	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
Regence	Medicare Advantage	$302	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
United Healthcare	AARP Medicare	$299	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
United Healthcare	Medicare Advantage	$299	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
Wellcare	Medicare Advantage	$302	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—

Medicaid managed care 3 prices

Rate for an Apple Health managed-care plan. Applies only to members of that plan.

Medicaid managed care prices for Heart MRI without contrast at Island Hospital
Payer	Plan	Price	Part of the bill	Hospital’s description	How it’s set	Setting	Source date
Coordinated Care	Medicaid	$195	Hospital’s fee	CARDIAC MRI FOR MORPH	case rate	Outpatient	—
Molina	Healthy Options	$186	Hospital’s fee	CARDIAC MRI FOR MORPH	case rate	Outpatient	—
Wellpoint	Medicaid	$180	Hospital’s fee	CARDIAC MRI FOR MORPH	case rate	Outpatient	—

Other government program 3 prices

TRICARE, VA, Indian Health Service, workers' compensation, or another public program.

Other government program prices for Heart MRI without contrast at Island Hospital
Payer	Plan	Price	Part of the bill	Hospital’s description	How it’s set	Setting	Source date
Department of Labor and Industries	All Plans	$300	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
Tricare	Triwest	$285	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
USFHP	All Plans	$285	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—

Unknown 3 prices

The source file doesn't say which population this rate applies to.

Unknown prices for Heart MRI without contrast at Island Hospital
Payer	Plan	Price	Part of the bill	Hospital’s description	How it’s set	Setting	Source date
Community Health Plan of Washington	Health Options	$203	Hospital’s fee	CARDIAC MRI FOR MORPH	case rate	Outpatient	—
United Healthcare	HO	$299	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—
United Healthcare	UBH Optum	$285	Hospital’s fee	CARDIAC MRI FOR MORPH	fee schedule	Outpatient	—

Doctors here who do this procedure

We don’t have doctor data for this procedure yet. CMS publishes what doctors bill Traditional Medicare by billing code, and no Washington doctor billed this one often enough for CMS to publish it (11 or more patients a year).

See a price that looks wrong? Tell us about it.

Island Hospital

What you may pay

Bills to expect

What you’d pay for these bills

How each bill comes to you

1 Hospital's feeSent by the hospital

2 RadiologistSent by the radiology group

Get it confirmed before your care

Island Hospital

Commercial insurance 21 prices

Medicare Advantage 11 prices

Medicaid managed care 3 prices

Other government program 3 prices

Unknown 3 prices

Doctors here who do this procedure

Hospital's feeSent by the hospital

RadiologistSent by the radiology group