How much does a Cardiac stress test cost?

The typical insurer-negotiated rate for a Cardiac stress test is about $207, with most falling between $111 and $420, based on published rates from 1,428 U.S. hospitals. What you actually pay depends on your plan's deductible and coinsurance.

Cash or self-pay prices for a Cardiac stress test run around $270. Uninsured patients are often billed the much higher hospital "list" charge first (about $412), so it's worth asking for the cash or self-pay rate and negotiating.

Hospital "list" (chargemaster) prices for a Cardiac stress test run about $412 — roughly 2× the $207 insurers actually pay. The list price is a starting point almost no one pays; the negotiated and cash rates are the realistic benchmark.

Yes. If you were charged well above the typical negotiated rate (about $207), that gap is negotiable. Upfronte audits your bill against real hospital pricing data and can negotiate it down on your behalf — no savings, no fee.