CT Scan (Chest) Cost in South Bend, IN (2026): Average Prices & What You'll Pay
What does a ct scan (chest) cost in South Bend, IN?
Where you have a ct scan (chest) done in South Bend, IN swings the bill from $141 to $152 for identical care. The median cash price across 4 reporting hospitals is $146. The numbers are pulled directly from federally mandated hospital price transparency files. Pick your coverage in the tabs below to see your number.
Insurance
With commercial insurance, CT Scan (Chest) in South Bend, IN typically runs $141–$152, facility and physician fees combined. What you pay out of pocket depends on your deductible and coinsurance.
Medicare
Medicare pays the same national rate to every provider that accepts it, adjusted slightly for local wages, so choosing a different hospital doesn't change what Medicare pays. For CT Scan (Chest) that rate is about $89–$179 (typically near $107). After the $257 Part B deductible you generally pay 20% of the approved amount, about $21.
Read the full Medicare coverage guide →
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- ✓ Why facility type drives most of the price variation - and how to use that
- ✓ The separate radiologist bill most patients miss (and how to verify it's in-network)
- ✓ When contrast adds a charge - and when it's negotiable
- ✓ The questions to ask before scheduling that can save $500–$1,500
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Medicaid
Medicaid is run by each state, and it pays fixed rates to the providers that accept it, so the price doesn't change from one hospital to the next. Most people on Medicaid owe nothing or a small copay for covered care, but what's covered and what you owe depends on your state and plan. CostKits doesn't show a Medicaid price here because those rates are set by the state, not negotiated by each hospital. The question that matters is whether the provider accepts your Medicaid plan, so ask before you schedule.
Your personalized cost report includes:
- ✓ Why facility type drives most of the price variation - and how to use that
- ✓ The separate radiologist bill most patients miss (and how to verify it's in-network)
- ✓ When contrast adds a charge - and when it's negotiable
- ✓ The questions to ask before scheduling that can save $500–$1,500
- ✓ A real patient billing breakdown, line by line
Free for patients - takes 30 seconds to get.
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No insurance
Posted cash prices for CT Scan (Chest) at 4 South Bend, IN hospitals range from $138–$155, with a median of $146. The lowest posted price we found is MEMORIAL HOSPITAL OF SOUTH BEND in South Bend, IN at $141. Ask for the cash or self-pay price and for the hospital’s financial-assistance policy before you book.
Once you have a bill or an appointment on the calendar, CostKits can help you keep it all organized.
Where ct scan (chest) costs vary in South Bend, IN
Pins show hospitals with price-transparency data (colored by vs. state average) and nearby imaging centers and other facilities (colored by type). Click any pin for facility name and estimated cost range.
26+ people checked prices near them this month.
The same CT scan costs 3–6× more at a hospital than at an imaging center. Location is the biggest variable - and you can choose.
Your personalized cost report includes:
- ✓ Why facility type drives most of the price variation - and how to use that
- ✓ The separate radiologist bill most patients miss (and how to verify it's in-network)
- ✓ When contrast adds a charge - and when it's negotiable
- ✓ The questions to ask before scheduling that can save $500–$1,500
- ✓ A real patient billing breakdown, line by line
Free for patients - takes 30 seconds to get.
We'll send a sign-in link to your email - click it to get your guide. No account required, no spam.
Cheapest CT Scan (Chest) Providers in South Bend, IN
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs Median |
|---|---|---|---|---|
| 1 | MEMORIAL HOSPITAL OF SOUTH BEND | South Bend, IN | $141 | -$5 |
| 2 | Mishawaka Medical Center | Mishawaka, IN | $152 | +$6 |
| 3 | United Surgeons LLC DBA Unity Physicians Hospital | IN | $156 | +$10 |
Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
Before you book: three questions that change the price
- Is this the self-pay price, and does it include the doctor, anesthesia and any lab or pathology? Those are often billed separately.
- Can you give me the price in writing, with the billing codes it covers?
- What happens to the price if something extra is needed during the procedure?
Estimate your out-of-pocket cost → · When the bills arrive, we check them for errors →
Quick take
- MEMORIAL HOSPITAL OF SOUTH BEND is the lowest-cost option at $141 - $5 below the state median, just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $146, and it's often lower than what insurance pays before your deductible is satisfied.
- Independent imaging centers often charge much less than hospital outpatient departments for the same scan and may not appear in this hospital-only dataset - ask your doctor whether one is an option.
| Coverage | Hospitals with a rate | Typical range | Median |
|---|---|---|---|
| Medicare (national rate) | — | $89 to $179 | $107 |
| Without insurance (cash price) | 4 | $138 to $155 | $146 |
Rates are negotiated allowed amounts and cash prices from hospital price-transparency files (October 2026), shown at each hospital’s lowest-priced typical billing code for this procedure. Facility fees only. The typical range is the middle 80% of hospitals, not a quote for your visit.
How much does an CT Scan (Chest) cost with Medicare in South Bend, IN?
Medicare's national hospital outpatient payment for CT Scan (Chest) is about $89 to $179 (typically near $107). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $21 on a $107 payment, with no out-of-pocket cap unless you have supplemental coverage or a Medicare Advantage plan.
Doctor, anesthesia and pathology fees are billed separately. Medicare rates are national CMS amounts, adjusted slightly by local wage levels.
How much does an CT Scan (Chest) cost without insurance in South Bend, IN?
Cash (self-pay) prices for CT Scan (Chest) at 4 South Bend, IN hospitals range from $138 to $155, with a median of $146. Ask for the cash or self-pay price and for any financial-assistance discount before you book; both can be lower than the posted price.
Cash prices are the hospital’s published discounted rate for patients paying without insurance.
Indiana has one of the most concentrated hospital markets in the Midwest, which the FTC has previously flagged as insufficiently competitive. Indiana University Health and Ascension St. Vincent hold significant combined market share in Indianapolis. The lack of robust competition is reflected in commercial reimbursement rates that run above the Midwest average. CT chest pricing is almost entirely driven by site of service - the identical scan costs 3–6× more at a hospital outpatient department than at an independent imaging center. Most commercial payers reimburse at the same negotiated rate regardless of setting, so choosing an independent imaging center captures the full savings without sacrificing clinical quality. For non-urgent scans, calling ahead to compare cash prices across freestanding centers is the single most effective cost lever.
Received a bill? Check it for errors → Estimate YOUR cost before you go → Managing more than one bill? See the family tracker →
Why prices vary - and what it means for your coverage
Facility classification matters as much as the hospital itself - a hospital-owned outpatient center adds a facility fee that a freestanding clinic does not. Whether the scan happens in a hospital outpatient department (which adds a separate facility fee) or a freestanding imaging center is usually the single biggest driver of price for this procedure.
What you pay out of pocket on top of this depends on your deductible, your plan's out-of-pocket maximum, and whether every provider involved is in-network - not just the facility.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$146 |
| Deductible met - 20% coinsurance | ~$29 |
| Out-of-network provider | $321+ |
Frequently asked questions: CT Scan (Chest) costs in South Bend, IN
How much does a CT Scan (Chest) cost in South Bend, IN?
The typical price is $146, with most facilities between $141 and $152. Full market pricing - including cash rates, gross charges, and outlier facilities - ranges more widely, from $137 to $156 across all 4 South Bend, IN hospitals that publish prices. What you pay depends on the facility, your insurance, and whether you have met your deductible.
Where is the cheapest place to get a CT Scan (Chest) in South Bend, IN?
Based on declared prices, the lowest-cost facility in our South Bend, IN data is BEACON DOWAGIAC at about $137. Independent imaging centers are often cheaper still and may not appear in hospital price data - ask your doctor whether one is an option.
Why is a CT Scan (Chest) so much cheaper at some South Bend, IN hospitals?
Prices vary up to 1.1× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In South Bend, IN, the median cash (self-pay) price is $146 versus a median negotiated rate of $52 - about 2.8× higher. Asking for the cash price as well as your insurer's negotiated rate is often the single biggest lever on what you pay.
How much will I actually pay out of pocket for a CT Scan (Chest) in South Bend, IN?
Your out-of-pocket cost depends on your deductible, coinsurance, out-of-pocket maximum, and whether the facility is in-network - not just the sticker price. If you have not met your deductible, you will typically pay the negotiated rate in full until you do. Use the CostKits cost forecaster to estimate your specific out-of-pocket amount before you go.
Before you book
- Allowed amount vs negotiated rate: what your EOB is really saying
- How to read your medical bill
- Deductible vs out-of-pocket max
- Already have a bill? Check it for errors
- Understanding your UnitedHealthcare EOB
Other procedures in South Bend, IN
CT Scan (Chest), elsewhere
What matters before you schedule
Imaging center vs. hospital
Hospital outpatient departments typically charge 2-4x more than independent imaging centers for the same ct scan (chest) - same outcome, very different bill. The ER charges the most of any setting and should only be used when the situation is medically urgent. Call ahead and ask for a self-pay or cash quote at each setting you're considering.
With vs. without contrast
Which type your doctor orders for this ct scan (chest) changes the billing code, and what you pay. For example: A standard ct scan (chest) with no contrast dye - the most common and lowest-cost version.
This is shoppable
CT Scan (Chest) is elective and schedulable, so you have time to compare facilities before booking - hospital outpatient prices often run 2-4x higher than alternative settings for the identical clinical outcome.
What to ask before you book
Get the CPT code from your doctor, confirm every provider involved (not just the facility) is in-network, ask for the cash-pay rate if you're uninsured or haven't met your deductible, and request a written estimate for ct scan (chest) before you schedule.
CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).
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About the Author
John Caruso, FSA, MAAA
Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.
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