X-Ray Cost in South Bend, IN (2026): Average Prices & What You'll Pay
What does a x-ray cost in South Bend, IN?
Where you have an x-ray done in South Bend, IN swings the bill from $35 to $168 for identical care. The median cash price across 4 reporting hospitals is $96. The numbers are pulled directly from federally mandated hospital price transparency files. The sections below break this down by coverage and by insurer.
Three low-priced facilities in South Bend, IN, from hospital price files
- MEMORIAL HOSPITAL OF SOUTH BEND · South Bend, IN $35
- United Surgeons LLC DBA Unity Physicians Hospital $156
- Mishawaka Medical Center · Mishawaka, IN $273
All 4 facilities are listed below, free.
Where x-ray costs vary in South Bend, IN
Pins show hospitals with price-transparency data (colored by vs. state average) and nearby ambulatory surgery centers, 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.
An X-ray is cheap - until a hospital setting and a separate radiologist bill turn it into two charges.
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Cheapest X-Ray 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 | $35 | -$61 |
| 2 | United Surgeons LLC DBA Unity Physicians Hospital | IN | $156 | +$60 |
| 3 | Mishawaka Medical Center | Mishawaka, IN | $273 | +$177 |
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 $35 - $61 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 $96, and it's often lower than what insurance pays before your deductible is satisfied.
- This dataset covers hospitals only - freestanding ASCs, which routinely run 30-60% cheaper for the same procedure, aren't included, so it's worth asking your doctor whether one is an option.
| Coverage | Hospitals with a rate | Typical range | Median |
|---|---|---|---|
| Medicare (national rate) | — | $89 to $107 | $89 |
| Without insurance (cash price) | 4 | $32 to $238 | $96 |
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 X-ray cost with Medicare in South Bend, IN?
Medicare's national hospital outpatient payment for X-ray is about $89 to $107 (typically near $89). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $18 on a $89 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 X-ray cost without insurance in South Bend, IN?
Cash (self-pay) prices for X-ray at 4 South Bend, IN hospitals range from $32 to $238, with a median of $96. 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. X-ray is the most commoditized of all imaging procedures, and price differences are almost entirely explained by facility type: a hospital outpatient chest X-ray can cost 5–10× more than the same study at an urgent care center or independent imaging clinic. For non-emergency X-rays, asking your physician for a referral to an outpatient imaging center rather than a hospital radiology department is the simplest and most reliable cost reduction available.
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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.
On top of the facility price, your actual bill depends on your deductible, your out-of-pocket maximum, and whether every provider involved - not just the facility - is in-network.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$96 |
| Deductible met - 20% coinsurance | ~$19 |
| Out-of-network provider | $211+ |
Frequently asked questions: X-ray costs in South Bend, IN
How much does an X-ray cost in South Bend, IN?
The typical price is $96, with most facilities between $35 and $168. Full market pricing - including cash rates, gross charges, and outlier facilities - ranges more widely, from $31 to $273 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 an X-ray in South Bend, IN?
Based on declared prices, the lowest-cost facility in our South Bend, IN data is BEACON DOWAGIAC at about $31. Freestanding ambulatory surgery and 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 X-ray so much cheaper at some South Bend, IN hospitals?
Prices vary up to 8.8× 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 $96 versus a median negotiated rate of $24 - about 4× 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 an X-ray 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
- Deductible vs out-of-pocket max
- How to negotiate your medical bills
- EOB vs medical bill: complete guide
- Already have a bill? Check it for errors
- How to read a Medicare Summary Notice
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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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