MRI Cost in Lexington, KY (2026): Average Prices & What You'll Pay
What does a mri cost in Lexington, KY?
The same mri in Lexington, KY might cost you $564 at one facility and $581 at another - the building you walk into drives the difference. The median cash price across 7 reporting hospitals is $565. These figures come straight from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.
Three low-priced facilities in Lexington, KY, from hospital price files
- CHI Saint Joseph Health - Saint Joseph East · Lexington, KY $561
- Clark Regional Medical Center $565
- Bluegrass Community Hospital $565
Free: the typical range and the facilities above. Add your email and we send the full ranked list of all 7 facilities (PDF) plus a checklist of what to ask before you book. We don't sell your information (privacy policy).
Where mri costs vary in Lexington, KY
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.
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Cheapest MRI Providers in Lexington, KY
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs Median |
|---|---|---|---|---|
| 1 | CHI Saint Joseph Health - Saint Joseph East | Lexington, KY | $561 | -$4 |
| 2 | Clark Regional Medical Center | KY | $565 | +$0 |
| 3 | Hospital name hidden | Your City, KY | $530 | -$000 |
| 4 | Bluegrass Community Hospital | KY | $565 | +$0 |
| 5 | Hospital name hidden | Your City, KY | $532 | -$000 |
| 6 | Hospital name hidden | Your City, KY | $533 | -$000 |
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Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
Email me this price comparison plus what to ask before booking
Sends a PDF with all 7 facilities ranked cheapest first, plus a short checklist of questions that change what you pay. We don't sell your information (privacy policy).
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?
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Quick take
- CHI Saint Joseph Health - Saint Joseph East is the lowest-cost option at $561 - $4 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 $565, 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) | — | $244 to $356 | $356 |
| With insurance (commercial, average) | 4 | $727 to $874 | $829 |
| Without insurance (cash price) | 7 | $554 to $650 | $565 |
| Anthem Blue Cross and Blue Shield | 3 | $567 to $712 | $567 |
| Aetna | 3 | $1,143 to $1,351 | $1,301 |
| Cigna | 3 | $1,125 to $1,355 | $1,323 |
| Humana | 3 | $429 to $807 | $429 |
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 MRI cost with Medicare in Lexington, KY?
Medicare's national hospital outpatient payment for MRI is about $244 to $356 (typically near $356). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $71 on a $356 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 MRI cost with insurance in Lexington, KY?
Across 4 Lexington, KY hospitals, the negotiated rates commercial insurers pay for MRI average $727 to $874 per hospital, with a median near $829. That is the amount your plan and you pay the hospital together; you owe your deductible, then coinsurance, up to your out-of-pocket maximum.
Each hospital’s figure is the average of the commercial insurers it lists. Medicare, Medicare Advantage and Medicaid rates are excluded.
How much does an MRI cost without insurance in Lexington, KY?
Cash (self-pay) prices for MRI at 7 Lexington, KY hospitals range from $554 to $650, with a median of $565. 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.
How much does an MRI cost with Anthem Blue Cross and Blue Shield in Lexington, KY?
Anthem Blue Cross and Blue Shield negotiated rates for MRI at 3 Lexington, KY hospitals range from $567 to $712, with a median near $567. Your own cost depends on your plan’s deductible and coinsurance, and on whether the hospital is in your network.
Includes Blue Cross and Blue Shield and Anthem plans listed by each hospital.
How much does an MRI cost with Aetna in Lexington, KY?
Aetna negotiated rates for MRI at 3 Lexington, KY hospitals range from $1,143 to $1,351, with a median near $1,301. If a hospital is out of network for your Aetna plan, you may owe more than the negotiated rate, so check the network first.
How much does an MRI cost with Cigna in Lexington, KY?
Cigna negotiated rates for MRI at 3 Lexington, KY hospitals range from $1,125 to $1,355, with a median near $1,323. If a hospital is out of network for your Cigna plan, you may owe more than the negotiated rate, so check the network first.
How much does an MRI cost with Humana in Lexington, KY?
Humana negotiated rates for MRI at 3 Lexington, KY hospitals range from $429 to $807, with a median near $429. If a hospital is out of network for your Humana plan, you may owe more than the negotiated rate, so check the network first.
Norton Healthcare and Baptist Health dominate Louisville, while UK HealthCare (University of Kentucky) and CHI Saint Joseph anchor the Lexington market. Kentucky has historically had high uninsured rates and elevated uncompensated care loads, which influences charity care policies and cash price discounting practices at many facilities. MRI pricing has some of the widest site-of-service spreads in all of imaging - hospital outpatient MRIs often cost 4–8× more than the same scan at a freestanding imaging center. With vs. without contrast and body part scanned are separate CPT codes with meaningfully different prices; confirm exactly what was ordered before scheduling. For non-urgent imaging, independent imaging centers offer the same diagnostic quality at a fraction of hospital prices.
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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 | ~$565 |
| Deductible met - 20% coinsurance | ~$113 |
| Out-of-network provider | $1,243+ |
Frequently asked questions: MRI costs in Lexington, KY
How much does an MRI cost in Lexington, KY?
The typical insurer-negotiated rate is $237, with most facilities between $237 and $237 (based on 7 hospitals reporting negotiated rates). Full market pricing - including cash rates, gross charges, and outlier facilities - ranges more widely, from $543 to $658 across all 7 Lexington, KY 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 an MRI in Lexington, KY?
Based on declared prices, the lowest-cost facility in our Lexington, KY data is Georgetown Community Hospital at about $543. By metro, Lexington has the lowest median ($610). 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 an MRI so much cheaper at some Lexington, KY hospitals?
Prices vary up to 1.2× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Lexington, KY, the median cash (self-pay) price is $565 versus a median negotiated rate of $829 - cash is the lower number at many hospitals. 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 an MRI in Lexington, KY?
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
- How to read your medical bill
- How to stop medical bill problems before they start
- How to negotiate your medical bills
- Allowed amount vs negotiated rate: what your EOB is really saying
- How to read an EOB line by line
Other procedures in Lexington, KY
MRI, 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 mri - 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 mri changes the billing code, and what you pay. For example: A standard mri with no contrast dye - the most common and lowest-cost version.
This is shoppable
MRI 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 mri 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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