Shoulder MRI cost in San Jose (2026): what Aetna, Anthem, Blue Shield, UnitedHealthcare and Cigna pay

MRI of an arm joint (shoulder, elbow or wrist) without contrast, CPT 73221. Also called MRI shoulder without contrast, MRI of the shoulder, elbow or wrist, upper extremity joint MRI. In-network rates by insurer.

Shoulder MRI cost in San Jose, 2026: in the San Jose area, insurers pay a typical $438 for a shoulder MRI at doctors' offices and imaging centers. By insurer, the typical office rate runs from $339 (Blue Shield of California) to $552 (Cigna). Original Medicare's rate is $278 here. Rates from five insurers' published files, for providers within 20 miles of downtown San Jose.

What each insurer pays

InsurerOffices and imaging centers
median, middle half		Billing entities
Anthem Blue Cross$457
$294 to $641		306
Blue Shield of California$339
$307 to $581		84
Aetna$490
$355 to $625		172
UnitedHealthcare$387
$278 to $509		142
Cigna$552
$367 to $691		141
Original Medicare$278-

Anthem Blue Cross figures reflect the menu of rates Anthem lists across its contracts, not contract-specific prices (why). Kaiser Permanente is not listed. Most Kaiser care is prepaid inside its own system, and it does not publish usable per-service rates.

Anthem Blue Cross negotiated rate for a shoulder MRI in San Jose

Across 306 billing entities in the San Jose area, the middle of Anthem's rate menu for a shoulder MRI at offices and imaging centers is $457, and the middle half of those values runs from $294 to $641. That office median is 1.6 times what Original Medicare pays. Anthem lists the same menu of rates under nearly every contract, so these figures show the middle of that menu, not the rate a specific provider is paid. For your plan's exact price, use Anthem's Find Care and cost estimates.

Blue Shield of California negotiated rate for a shoulder MRI in San Jose

Blue Shield of California pays a median of $339 for a shoulder MRI at offices and imaging centers in the San Jose area, with the middle half of 84 billing entities between $307 and $581. That office median is 1.2 times what Original Medicare pays. For your plan's exact price, use Blue Shield's Treatment Cost Estimator.

Aetna negotiated rate for a shoulder MRI in San Jose

Aetna pays a median of $490 for a shoulder MRI at offices and imaging centers in the San Jose area, with the middle half of 172 billing entities between $355 and $625. That office median is 1.8 times what Original Medicare pays. For your plan's exact price, use Aetna's Find Care cost estimates.

UnitedHealthcare negotiated rate for a shoulder MRI in San Jose

UnitedHealthcare pays a median of $387 for a shoulder MRI at offices and imaging centers in the San Jose area, with the middle half of 142 billing entities between $278 and $509. That office median is 1.4 times what Original Medicare pays. For your plan's exact price, use UnitedHealthcare's price transparency tool.

Cigna negotiated rate for a shoulder MRI in San Jose

Cigna pays a median of $552 for a shoulder MRI at offices and imaging centers in the San Jose area, with the middle half of 141 billing entities between $367 and $691. That office median is 2 times what Original Medicare pays. For your plan's exact price, use the myCigna cost estimator (sign in).

About a shoulder MRI

An MRI of an arm joint without contrast dye. The same code covers the shoulder, elbow and wrist, so these prices apply to all three. It is the usual scan for a suspected rotator cuff or labral tear. Billing code: CPT 73221.

What the price covers

  • Rates here are for the whole service billed as one charge: the scan and the radiologist's reading.
  • An MRI arthrogram, where contrast is injected into the joint, is billed with different codes.

What you would actually pay

The negotiated rate is the total the provider is paid. Your share depends on your plan. If you have not met your deductible, you usually pay the whole negotiated rate: at a $438 rate, that is $438. Once the deductible is met, coinsurance applies: at 20% coinsurance you would pay $88 and the insurer the rest. Plans with a flat copay for this service charge the copay instead.

Going out of network is different. The provider has no agreed rate with your insurer, so they can usually bill their full listed price. Federal and California law limit that in emergencies and for some out-of-network clinicians at in-network hospitals.

Paying without insurance

The rates on this page are what insurers pay in network, not cash prices. If you are paying yourself, they are still a useful benchmark: ask the provider for its self-pay price before you book and compare it with these rates and with Original Medicare's $278 for a shoulder MRI in San Jose. Many freestanding imaging centers post cash prices for scans. Hospitals must publish a discounted cash price under federal price transparency rules, and if you are uninsured or paying yourself, the No Surprises Act entitles you to a written good faith estimate before scheduled care.

Get the price for your exact plan

An insurer has many contracts, and each plan uses one of them. The figures on this page cover all of an insurer's contracts in the area. The price for your plan depends on which one applies, and that is set by your employer or the plan name on your insurance card.

Your insurer's own cost tool gives a plan-specific estimate once you sign in:

AI assistants can look it up too. Arlo's free price transparency API and the Arlo MCP server for Claude and ChatGPT take a service, a ZIP code and a plan, and return nearby in-network providers with their negotiated rates.

Where these numbers come from

Rates come from the price transparency files Anthem Blue Cross, Blue Shield of California, Aetna, UnitedHealthcare and Cigna publish, for providers within 20 miles of downtown San Jose. We clean the files before summarizing them and only show an insurer when enough providers report a rate. Medicare figures are from the 2026 Physician Fee Schedule. More on how these pages are built.