Test Of Neurological Function During Functional Mri
Price Range Across States
What You Might Pay
Estimated using RAND 2024 commercial-to-Medicare ratios. Actual prices vary by insurer, plan, and facility.
How we estimate these prices
These estimates are based on the RAND Hospital Price Transparency Study (4th Edition, 2024), which found that commercial insurance prices average 224% of Medicare rates nationally. We apply category-specific ratios: Medicine procedures average 2.15x Medicare rates. Cash/self-pay estimates blend typical cash discounts (55% of billed charges) with Medicare-based estimates (150% of allowed amounts). These are statistical estimates, not quotes. Contact your insurer or provider for actual costs.
Prices by State
| State | Medicare Payment | Billed Charge |
|---|---|---|
| New Jersey | $296.58 | $799.71 |
| Maryland | $259.82 | $660.00 |
| Illinois | $176.13 | $337.87 |
| California | $144.83 | $849.67 |
| Pennsylvania | $129.00 | $645.89 |
| Texas | $125.16 | $680.81 |
| Arizona | $123.62 | $1,664.38 |
| Oregon | $106.40 | $396.33 |
What the Data Says About Test Of Neurological Function During Functional Mri
Across 8 states with reporting providers, CPT code 96020 (Test Of Neurological Function During Functional Mri) shows a national average Medicare payment of $154.79 against an average billed charge of $760.89. That gap — a 4.9x markup, or 392% above the Medicare allowed amount — reflects chargemaster pricing, not what most insured patients actually pay. Medicare's negotiated rate is the statutory benchmark; commercial insurers typically settle between the two figures based on network contracts.
Medicine procedures like this one saw 387 services billed to Medicare in 2023 by 125 distinct providers, serving 315 unique beneficiaries. State-level variation is significant: Oregon reports the lowest average payment at $106.40, while New Jersey reports the highest at $296.58. Geographic Practice Cost Indices (GPCIs) explain much of that spread — local malpractice premiums, practice expense, and physician work adjustments all shift the allowed amount even when the procedure is identical.
Applying RAND 2024 commercial-to-Medicare ratios specific to the Medicine category (2.15x), the estimated commercial insurance price lands near $432.01, with self-pay cash discounts commonly bringing the figure closer to $359.95. Uninsured patients facing the full billed charge have the strongest leverage to negotiate — the Hospital Price Transparency Rule (effective January 2021) requires providers to publish standard charges, cash rates, and payer-specific negotiated prices. This data is for educational reference; confirm coverage and out-of-pocket exposure with your insurer before any procedure.
Frequently Asked Questions
How much does Test Of Neurological Function During Functional Mri cost?
The national average Medicare payment for Test Of Neurological Function During Functional Mri (CPT 96020) is $154.79, while providers typically bill $760.89. Prices vary significantly by state, ranging from $106.40 to $296.58.
Why do providers charge more than Medicare pays?
Providers set their own chargemaster rates (billed charges), which are typically much higher than what any insurer pays. Medicare pays a fixed rate based on the procedure code and geographic location. The billed charge is relevant mainly for uninsured patients, who may face prices closer to the submitted charge.
How much does Test Of Neurological Function During Functional Mri cost with insurance?
With commercial insurance, Test Of Neurological Function During Functional Mri costs an estimated $432.01 on average (range: $302.41 – $604.81). Without insurance, the estimated cash price is $359.95. These estimates are based on RAND 2024 research on commercial-to-Medicare price ratios. Your actual cost depends on your insurer, plan, and provider.
Which state has the lowest cost for Test Of Neurological Function During Functional Mri?
Oregon has the lowest average Medicare payment for Test Of Neurological Function During Functional Mri at $106.40, while New Jersey has the highest at $296.58. This $190.18 difference reflects geographic variation in healthcare costs, local cost of living, and provider market dynamics.
How many providers perform Test Of Neurological Function During Functional Mri?
Nationally, 125 providers billed Medicare for Test Of Neurological Function During Functional Mri in 2023, performing 387 total services for 315 beneficiaries across 8 states and territories.
What is the billed-to-Medicare markup for Test Of Neurological Function During Functional Mri?
Providers bill 4.9x what Medicare pays for Test Of Neurological Function During Functional Mri — a 392% markup. This gap between billed charges and actual payment is common across healthcare. Uninsured patients may face charges closer to the billed amount, while insured patients pay negotiated rates between the Medicare and billed figures.
Related Guides
Tips to reduce out-of-pocket costs
Your right to upfront pricing
How Medicare payments work
Decode charges and codes
Why bills exceed actual costs
Geographic pricing factors
Related Data Sources
Data from CMS Medicare Physician & Other Practitioners (2023).
Read our methodology — how this data is sourced, computed, and verified.