X-Ray Cost in Utica, NY (2026): Average Prices & What You'll Pay
What does a x-ray cost in Utica, NY?
You could pay $24 or $106 for the same x-ray in Utica, NY - depending entirely on which facility you choose. The median cash price across 5 reporting hospitals is $30. This data comes directly from hospital price transparency files published under federal law. Pick your coverage in the tabs below to see your number.
Insurance
With commercial insurance, X-ray in Utica, NY typically runs $24–$106, 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 X-ray that rate is about $89–$107 (typically near $89). After the $257 Part B deductible you generally pay 20% of the approved amount, about $18.
Your personalized cost report includes:
- ✓ Why the same X-ray costs more at a hospital or ER than at an imaging center
- ✓ The separate radiologist bill that can be out-of-network even at an in-network facility
- ✓ How an X-ray inside an ER or urgent-care visit rolls into a bigger bill
- ✓ The questions to ask before you schedule, including prior authorization
- ✓ 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.
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 the same X-ray costs more at a hospital or ER than at an imaging center
- ✓ The separate radiologist bill that can be out-of-network even at an in-network facility
- ✓ How an X-ray inside an ER or urgent-care visit rolls into a bigger bill
- ✓ The questions to ask before you schedule, including prior authorization
- ✓ 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.
No insurance
Posted cash prices for X-ray at 5 Utica, NY hospitals range from $18–$133, with a median of $30. The lowest posted price we found is OVERLAND PARK REGIONAL MEDICAL CENTER in Olathe, NY at $30. 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.
An X-ray is cheap - until a hospital setting and a separate radiologist bill turn it into two charges.
Your personalized cost report includes:
- ✓ Why the same X-ray costs more at a hospital or ER than at an imaging center
- ✓ The separate radiologist bill that can be out-of-network even at an in-network facility
- ✓ How an X-ray inside an ER or urgent-care visit rolls into a bigger bill
- ✓ The questions to ask before you schedule, including prior authorization
- ✓ 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 X-Ray Providers in Utica, NY
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs Median |
|---|---|---|---|---|
| 1 | Childrens Hospital Colorado | Aurora, NY | $22 | -$8 |
| 2 | OVERLAND PARK REGIONAL MEDICAL CENTER | Olathe, NY | $30 | +$0 |
| 3 | Rome Memorial Hospital | NY | $125 | +$95 |
| 4 | MVHS, Inc. | NY | $139 | +$109 |
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
- Childrens Hospital Colorado is the lowest-cost option at $22 - $8 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 $30, and it's often lower than what insurance pays before your deductible is satisfied.
- Ask whether this procedure can be done at a freestanding ambulatory surgical center - they're typically 30-60% cheaper than a hospital for identical care, and most aren't in this hospital-only dataset.
| Coverage | Hospitals with a rate | Typical range | Median |
|---|---|---|---|
| Medicare (national rate) | — | $89 to $107 | $89 |
| With insurance (commercial, average) | 4 | $42 to $163 | $117 |
| Without insurance (cash price) | 5 | $18 to $133 | $30 |
| Empire BlueCross BlueShield | 3 | $48 to $174 | $164 |
| Aetna | 3 | $47 to $185 | $102 |
| Cigna | 3 | $53 to $159 | $107 |
| Humana | 3 | $115 to $260 | $164 |
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 Utica, NY?
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 with insurance in Utica, NY?
Across 4 Utica, NY hospitals, the negotiated rates commercial insurers pay for X-ray average $42 to $163 per hospital, with a median near $117. 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 X-ray cost without insurance in Utica, NY?
Cash (self-pay) prices for X-ray at 5 Utica, NY hospitals range from $18 to $133, with a median of $30. 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 X-ray cost with Empire BlueCross BlueShield in Utica, NY?
Empire BlueCross BlueShield negotiated rates for X-ray at 3 Utica, NY hospitals range from $48 to $174, with a median near $164. 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 X-ray cost with Aetna in Utica, NY?
Aetna negotiated rates for X-ray at 3 Utica, NY hospitals range from $47 to $185, with a median near $102. 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 X-ray cost with Cigna in Utica, NY?
Cigna negotiated rates for X-ray at 3 Utica, NY hospitals range from $53 to $159, with a median near $107. 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 X-ray cost with Humana in Utica, NY?
Humana negotiated rates for X-ray at 3 Utica, NY hospitals range from $115 to $260, with a median near $164. If a hospital is out of network for your Humana plan, you may owe more than the negotiated rate, so check the network first.
New York has some of the highest hospital prices in the country, driven by extreme labor costs, regulatory complexity, and the dominance of large academic medical systems - NewYork-Presbyterian, NYU Langone, Northwell, and Mount Sinai all command substantial commercial rate premiums. Upstate New York prices are substantially lower than the NYC metro area. The No Surprises Act and state-level billing protections apply, but the baseline rates themselves remain among the nation's highest. 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.
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
Setting matters too: the median outpatient price is $30 versus $125 inpatient (about 4.2× more), so where a procedure happens often matters more than which hospital you pick. 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.
None of the prices above are what you'll necessarily owe: your deductible, out-of-pocket maximum, and each provider's network status all still apply.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$30 |
| Deductible met - 20% coinsurance | ~$6 |
| Out-of-network provider | $66+ |
Frequently asked questions: X-ray costs in Utica, NY
How much does an X-ray cost in Utica, NY?
The typical insurer-negotiated rate is $10, with most facilities between $6 and $26 (based on 5 hospitals reporting negotiated rates). Full market pricing - including cash rates, gross charges, and outlier facilities - ranges more widely, from $16 to $139 across all 5 Utica, NY 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 Utica, NY?
Based on declared prices, the lowest-cost facility in our Utica, NY data is Little Falls Hospital at about $16. 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 Utica, NY hospitals?
Prices vary up to 8.7× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Utica, NY, the median cash (self-pay) price is $30 versus a median negotiated rate of $117 - 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 X-ray in Utica, NY?
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
- How to read a Medicare Summary Notice
Other procedures in Utica, NY
X-Ray, elsewhere
CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).
Other Procedure Costs in Utica, NY
- Appendectomy Cost in Utica, NY
- Childbirth Cost in Utica, NY
- Cholecystectomy Cost in Utica, NY
- Colonoscopy Cost in Utica, NY
- CT Scan (Abdomen) Cost in Utica, NY
- CT Scan (Chest) Cost in Utica, NY
- CT Scan (Head) Cost in Utica, NY
- CT Scan Cost in Utica, NY
- Echocardiogram Cost in Utica, NY
- Emergency Room Visit Cost in Utica, NY
- Endoscopy Cost in Utica, NY
- Hip Replacement Cost in Utica, NY
- Hysterectomy Cost in Utica, NY
- Knee Replacement Cost in Utica, NY
- Mammogram Cost in Utica, NY
- Brain MRI Cost in Utica, NY
- MRI Cost in Utica, NY
- Spinal Fusion Cost in Utica, NY
- Ultrasound Cost in Utica, NY
Related Articles
Interested in understanding healthcare costs and managing your medical expenses?
- Free Cost EstimatorCalculate your exact out-of-pocket cost for any procedure
- Free Bill ScreenerCheck whether your bill and paperwork are ready for a professional review
- Family Bill TrackerTrack costs across every family member and every bill in one place
- X-Ray Cost GuideCompare X-Ray prices across all 50 states
- Deductible vs Out-of-Pocket MaximumLearn how insurance cost-sharing works and what you actually pay
- Cost ExplorerBrowse procedures and compare prices across the country
- CT Scan Cost GuideFind detailed CT scan pricing for your state
- MRI Cost GuideCompare MRI pricing and understand imaging costs
About the Author
John Caruso, FSA, MAAA
Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.
Connect on LinkedIn →Ready to take control of your healthcare costs?
Use the free cost estimator → · Get your bill screened for free → · See the family plan →