About MedCostCheck
Free medical procedure cost estimates for every US ZIP code.
7,500+
Procedures covered
43,000+
ZIP codes
112
Pricing localities
What is MedCostCheck?
MedCostCheck is a free tool that lets you look up the estimated cost of medical procedures by ZIP code. Whether you need an MRI, a blood test, or an office visit, you can search by procedure name or CPT code and see what Medicare pays in your area. All cost data comes from the 2026 Medicare Physician Fee Schedule published by the Centers for Medicare & Medicaid Services (CMS).
Our Data Source
All pricing is derived from the 2026 Medicare Physician Fee Schedule, the most comprehensive standardized source of medical procedure pricing available to the public. CMS publishes this data annually. You can access the original data at cms.gov.
How Pricing Works
Medicare calculates costs using Relative Value Units (RVUs) adjusted by Geographic Practice Cost Indices (GPCIs):
Work RVU
Physician time, skill, and effort
Practice Expense
Rent, equipment, supplies, staff
Malpractice
Professional liability insurance
Understanding the Estimates
| Price Type | How It Compares to Medicare |
|---|---|
| Medicare Rate | Baseline. What Medicare pays providers. |
| Private Insurance | 130-200% of Medicare, depending on plan and network. |
| Self-Pay / Cash | Varies widely. Many providers offer 20-40% cash discounts. |
| Hospital Chargemaster | Often 300-500%+ of Medicare. Rarely what anyone actually pays. |
Important Limitations
- *Medicare rates are a baseline, not a final price. They represent what Medicare reimburses, not what you will pay.
- *Office vs Hospital matters. The same procedure often costs less in a doctor's office than in a hospital, because hospitals charge a separate facility fee.
- *Always verify with your provider and insurance company before any procedure.
Contact
Questions or feedback? Email us at contact@medcostcheck.com
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Search 7,500+ procedures with local pricing for your ZIP code.
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