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What Insurers Pay

The rate each insurer has already agreed to pay doctors and clinics in its networks, from the files insurers must publish every month under the Transparency in Coverage rule. Pick an insurer.

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How to use this site

  1. Pick an insurer below. Each is mapped separately, from its own files.
  2. Pick a procedure — an office visit, an MRI, a colonoscopy.
  3. Read the map. Every state is a circle, shaded by what the procedure typically costs there. Click one for the lowest, typical and highest price the insurer pays in that state.

These are the rates the insurer has negotiated, not your bill.

Cheaper Pricier Ohio 4,120 providers Lowest $84 Typical $102 Highest $186 Providers at each price
Illustration. Open a real office visit map.

The largest health insurer in the country: employer and individual plans in every state, on networks such as Choice Plus, Options PPO, Navigate, Core and Charter.

99
procedures
56
states
2.0M
providers

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See UnitedHealthcare prices Prices as of 2026-10-01 · all 420 files read

Marketplace and employer plans: Ambetter, Health Net, Fidelis Care and QualChoice.

97
procedures
56
states
1.0M
providers
3,281
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Centene prices Prices as of 2026-08-31 · all 33 files read

Employer and individual plans nationwide; part of CVS Health.

98
procedures
56
states
2.4M
providers

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Aetna prices Prices as of 2026-10-05 · all 614 files read

Employer and individual plans nationwide, including the HealthPartners, Priority Health and Sagamore partner networks.

97
procedures
56
states
1.8M
providers
26K
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Cigna Healthcare prices Prices as of 2026-09-01 · all 133 files read

Kaiser's own health plans in California, Colorado, Georgia, Hawaii, the Mid-Atlantic, Oregon and Washington, plus its partner networks.

98
procedures
56
states
862K
providers
3,865
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Kaiser Permanente prices Prices as of 2026-09-01 · all 45 files read

Florida's Blue Cross Blue Shield plan: employer, individual and self-funded plans (its Florida network; out-of-state BlueCard providers are not included).

96
procedures
44
states
8,112
practices
11K
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Florida Blue prices Downloaded 2026-09-26 · all 16 files read

Michigan's Blue plan, including Blue Care Network HMOs (its Michigan network; out-of-state BlueCard providers are not included).

95
procedures
55
states
97K
providers
21
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross Blue Shield of Michigan prices Prices as of 2026-08-05 · all 9 files read

Western and central Pennsylvania: employer and individual plans on UPMC's networks.

96
procedures
52
states
41K
providers
3,005
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See UPMC Health Plan prices Prices as of 2026-09-01 · all 8 files read

The Blue Cross plan for Washington and Alaska (its own network; out-of-state BlueCard providers are not included).

98
procedures
54
states
76K
providers

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Premera Blue Cross prices Prices as of 2026-10-02 · all 43 files read

The Blue plan for Iowa and South Dakota (its own network; out-of-state BlueCard providers are not included).

91
procedures
54
states
42K
providers

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Wellmark Blue Cross Blue Shield prices Prices as of 2026-10-01 · all 10 files read

Individual and family plans bought on the ACA marketplace, in the states Oscar sells in.

93
procedures
55
states
523K
providers
55
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Oscar Health prices Prices as of 2026-09-01 · all 184 files read

Arizona's Blue plan.

92
procedures
52
states
21K
providers
3,902
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross Blue Shield of Arizona prices Downloaded 2026-10-08 · all 2 files read

Upstate New York's Blue plan (its own network; out-of-state BlueCard providers are not included).

93
procedures
54
states
463K
providers
2,331
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Excellus BlueCross BlueShield prices Prices as of 2026-10-01 · all 2734 files read

Ohio-based health insurer: employer and individual plans.

92
procedures
52
states
75K
providers

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Medical Mutual of Ohio prices Prices as of 2026-10-01 · all 55 files read

New York and Vermont health plan: employer and individual plans.

93
procedures
43
states
88K
providers

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See MVP Health Care prices Prices as of 2026-10-01 · all 582 files read

Michigan health plan: employer and individual plans.

95
procedures
53
states
43K
providers

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See HAP prices Prices as of 2026-10-01 · all 20 files read

Wisconsin, Iowa and Illinois health plan: employer and individual plans.

96
procedures
51
states
33K
providers

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Quartz prices Prices as of 2026-08-01 · all 17 files read

Anthem's Blue plans in 14 states: California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia and Wisconsin.

98
procedures
56
states
1.1M
providers
3,902
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Anthem Blue Cross and Blue Shield prices Downloaded 2026-10-08 · all 245 files read

Arkansas's Blue plan.

88
procedures
39
states
4,028
providers
3,902
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Arkansas Blue Cross and Blue Shield prices Downloaded 2026-10-08 · all 4 files read

Canton-based insurer owned by Aultman Health Foundation: employer plans in northeast Ohio.

91
procedures
41
states
8,635
providers
2,246
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See AultCare prices Prices as of 2026-10-03 · all 3 files read

A Florida health plan: employer and individual plans, mostly in South Florida.

98
procedures
54
states
42K
providers
678
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See AvMed prices Prices as of 2026-10-01 · all 10 files read

Mississippi's Blue plan.

96
procedures
49
states
15K
providers
3,902
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross & Blue Shield of Mississippi prices Downloaded 2026-10-08 · all 2 files read

Rhode Island's Blue plan.

92
procedures
52
states
16K
providers
3,902
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross & Blue Shield of Rhode Island prices Downloaded 2026-10-08 · all 3 files read

Alabama's Blue plan (its own network; out-of-state BlueCard providers are not included).

94
procedures
52
states
29K
providers
1,826
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross and Blue Shield of Alabama prices Prices as of 2026-10-01 · 90 of 91 files read

Blue Cross and Blue Shield of Illinois, Blue Cross and Blue Shield of Texas, Blue Cross and Blue Shield of Oklahoma, Blue Cross and Blue Shield of New Mexico and Blue Cross and Blue Shield of Montana: five state Blue plans run by one company, Health Care Service Corporation (their own networks; out-of-state BlueCard providers are not included).

98
procedures
55
states
490K
providers
217K
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

Kansas' Blue plan (outside the Kansas City area).

96
procedures
53
states
34K
providers
3,902
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross and Blue Shield of Kansas prices Downloaded 2026-10-08 · all 2 files read

The Blue plan for the Kansas City area, in Missouri and Kansas (its own network; out-of-state BlueCard providers are not included).

95
procedures
53
states
19K
providers
108
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross and Blue Shield of Kansas City prices Prices as of 2026-09-03 · all 9 files read

Louisiana's Blue plan, including HMO Louisiana (its own network; out-of-state BlueCard providers are not included).

97
procedures
53
states
32K
providers
2,005
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross and Blue Shield of Louisiana prices Prices as of 2026-09-01 · all 10 files read

Minnesota's Blue plan (its own network; out-of-state BlueCard providers are not included).

93
procedures
54
states
92K
providers
4,995
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross and Blue Shield of Minnesota prices Prices as of 2026-09-30 · all 342 files read

North Carolina's Blue plan (its own network; out-of-state BlueCard providers are not included).

97
procedures
54
states
113K
providers
20K
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross and Blue Shield of North Carolina prices Prices as of 2026-09-15 · 9 of 10 files read

Vermont's Blue plan.

95
procedures
51
states
8,039
providers
3,902
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross and Blue Shield of Vermont prices Downloaded 2026-10-08 · all 1 files read

Massachusetts' Blue plan.

91
procedures
53
states
77K
providers
3,902
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross Blue Shield of Massachusetts prices Downloaded 2026-10-08 · all 3 files read

North Dakota's Blue plan (its own network; out-of-state BlueCard providers are not included).

89
procedures
54
states
14K
providers
3,022
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross Blue Shield of North Dakota prices Prices as of 2026-09-25 · all 51 files read

Wyoming's Blue plan (its own network; out-of-state BlueCard providers are not included).

98
procedures
52
states
10K
providers
1,237
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross Blue Shield of Wyoming prices Prices as of 2026-09-25 · 50 of 55 files read

Idaho's Blue Cross plan.

97
procedures
53
states
20K
providers
3,902
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Cross of Idaho prices Downloaded 2026-10-08 · all 2 files read

California's Blue Shield plan.

97
procedures
55
states
119K
providers
3,902
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Blue Shield of California prices Downloaded 2026-10-08 · all 2 files read

South Carolina's Blue plan (its own network; out-of-state BlueCard providers are not included).

97
procedures
47
states
9,183
practices
3,902
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See BlueCross BlueShield of South Carolina prices Prices as of 2026-10-01 · all 24 files read

Tennessee's Blue plan (its own network; out-of-state BlueCard providers are not included).

96
procedures
54
states
57K
providers
6
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See BlueCross BlueShield of Tennessee prices Prices as of 2026-09-27 · all 116 files read

Central Pennsylvania's Blue Cross plan.

96
procedures
53
states
47K
providers
3,902
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Capital BlueCross prices Downloaded 2026-10-08 · all 3 files read

The Blue plan for Maryland, Washington DC and northern Virginia.

95
procedures
55
states
100K
providers
3,902
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See CareFirst BlueCross BlueShield prices Downloaded 2026-10-08 · all 105 files read

Marketplace plans in Ohio, Indiana, Kentucky, Georgia, West Virginia and North Carolina.

95
procedures
54
states
201K
providers
19
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See CareSource prices Downloaded 2026-10-23 · all 18 files read

New York City and downstate New York: EmblemHealth's HIP and GHI plans.

95
procedures
54
states
161K
providers
3.6M
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See EmblemHealth prices Prices as of 2026-08-01 · 1720 of 1721 files read

Minnesota and western Wisconsin: HealthPartners' own plans and networks.

97
procedures
55
states
104K
providers
462
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See HealthPartners prices Prices as of 2026-10-01 · all 19 files read

Highmark's own networks in Pennsylvania, Delaware, West Virginia and western and northeastern New York (out-of-state BlueCard providers are not included).

97
procedures
52
states
119K
providers
15K
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Highmark Blue Cross Blue Shield prices Prices as of 2026-09-21 · all 65 files read

New Jersey's Blue plan (its own network; out-of-state BlueCard providers are not included).

98
procedures
54
states
98K
providers
106
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Horizon Blue Cross Blue Shield of New Jersey prices Prices as of 2026-09-11 · 49 of 51 files read

The Blue Cross plan for Philadelphia and southeastern Pennsylvania (its own network; out-of-state BlueCard providers are not included).

94
procedures
40
states
15K
practices
16
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Independence Blue Cross prices Prices as of 2026-08-31 · all 10 files read

Massachusetts: the health plan of the Mass General Brigham system.

92
procedures
34
states
5,559
practices
534
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Mass General Brigham Health Plan prices Prices as of 2026-08-27 · all 8 files read

Minnesota, Wisconsin, the Dakotas, Nebraska, Iowa and nearby states: Medica's plans, including Dean Health Plan.

97
procedures
53
states
61K
providers

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Medica prices Prices as of 2026-10-01 · all 65 files read

Oregon and Alaska: employer and individual plans on Moda's networks.

96
procedures
55
states
97K
providers
276
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Moda Health prices Prices as of 2026-09-01 · all 12 files read

Individual and family plans bought on the ACA marketplace; Ohio so far.

94
procedures
53
states
36K
providers
12K
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Molina Healthcare prices Prices as of 2026-09-21 · all 300 files read

A provider-owned PPO network in Ohio, rented by employers' health plans; not an insurer itself.

96
procedures
52
states
33K
providers

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Ohio Health Choice prices Downloaded 2026-10-21 · all 18 files read

Northwest Ohio insurer based in Toledo: employer, individual and family plans.

95
procedures
49
states
11K
providers
98
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Paramount prices Prices as of 2026-09-01 · all 4 files read

Massachusetts, New Hampshire, Maine and Rhode Island: Harvard Pilgrim Health Care and Tufts Health Plan.

92
procedures
55
states
113K
providers
28K
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Point32Health prices Prices as of 2026-09-01 · all 56 files read

The Blue plans for Oregon, Utah, Idaho and parts of Washington (their own networks; out-of-state BlueCard providers are not included).

96
procedures
54
states
131K
providers
18K
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Regence BlueCross BlueShield prices Prices as of 2026-10-01 · all 71 files read

Central and northern Wisconsin: the health plan of Marshfield Clinic Health System.

96
procedures
53
states
43K
providers
1,170
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Security Health Plan prices Prices as of 2026-10-01 · all 66 files read

Virginia: employer and individual plans on Sentara's networks.

96
procedures
54
states
102K
providers
2,627
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See Sentara Health Plans prices Prices as of 2026-10-01 · all 7 files read

Summa Health's insurer in northeast Ohio: employer, individual and family plans.

99
procedures
50
states
41K
providers
2,165
health plans

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See SummaCare prices Prices as of 2026-09-20 · 87 of 173 files read

UnitedHealthcare's administrator for employers that pay their own employees' claims (self-funded plans), on UnitedHealthcare's networks.

100
procedures
56
states
2.0M
providers

Jump to Office visit · Annual physical · Lower-back MRI · Colonoscopy

See UMR prices Prices as of 2026-10-01 · all 69 files read

Commercial plans only · each insurer is mapped separately · state-level summaries, no provider names published

Not on This Site

These are not every insurer. The ones below are missing, each for a reason; and some insurers above are shown with only part of their networks — each insurer's own page says what its files leave out.

Get in touch

Corrections are welcome — these prices come straight from insurers' and hospitals' own files, and if one looks wrong it is worth knowing about.

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