Many of us compare prices before we buy a product or service. It’s one of the best ways to be an informed consumer. But we might not think about comparing prices when it comes to our health care benefits. And that’s a missed opportunity because it could save quite a bit of money.

If we want the most value for our health care dollars, a little research is in order.

It’s no surprise that costs can vary greatly depending on where you go for care. For example, the cost of an MRI might vary between $845 and $5,468 – depending on the provider. Knee replacements can range from $12,172 to $54,502.

And higher cost doesn’t always mean better quality. By doing some research before you get care, you may be able to lower your out-of-pocket costs.

Cost sample amounts compiled from allowable in-network cost data for providers within a 50-mile radius of Chicago. Costs are examples and may not apply to every member’s situation.

Be a Smart Health Care Consumer

We offer tools to help you make your health care choices. Our Provider Finder^® tool makes it easy to find a doctor or hospital in your health plan's network and compare their costs*. 

• Estimate the cost for more than 1,700 procedures, treatments and tests.
• View patient feedback and add your review for a provider.
• Review providers’ certifications and recognitions.

To access the Provider Finder tool, log into Blue Access for Members^SM at bcbsil.com and go to Find Care. Or use the BCBSIL mobile app. The app is available in English and Spanish for iPhone and Android users. Download the BCBSIL app from the iTunes App Store  or Google Play.  

*Cost estimates are not available for all plans. Before you schedule a diagnostic imaging procedure, your plan may require that you call a Benefits Value Advisor or Health Advocate. Your out-of-pocket costs may be higher if you do not call. Please see your plan documents for details. Cost estimates are just an estimate. In addition to your usual deductibles, copays and/or coinsurance, the actual cost of the services may vary based on a number of factors including the date of service, the actual procedure performed, what services were billed by the provider and your particular benefit plan. Coverage is subject to the limitations and exclusions of your plan.

Originally published 6/16/2015; Revised 2020, 2023, 2024