Mammogram Cost Without Insurance in Illinois (2026)

Understand the cash prices for routine breast cancer screenings vs. diagnostic exams in Illinois.

For uninsured residents of Illinois, the cost of a mammogram can legally vary significantly between providers. While the average cash price is approx. $420, prices in major metro areas like Chicago and Aurora can be higher due to facility fees, while independent imaging centers in rural parts of Illinois might offer lower rates.

Under the No Surprises Act, if you are uninsured, you have the right to a "Good Faith Estimate" from any provider in Illinois before you schedule your screening. This ensures you aren't hit with a bill substantially higher than quoted.

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Mammogram Price Breakdown in Illinois

Low End$190Basic screening / Cash discount
State Average$420Typical facility price
High End$850Hospital outpatient / Diagnostic

Cost Variance in Illinois

Prices can fluctuate based on location. In larger cities like Chicago, Aurora, Naperville, hospital-affiliated imaging centers often charge 30-50% more than independent freestanding radiology centers. Always ask if the facility charges a separate "reading fee" for the radiologist.

Screening vs. Diagnostic Mammograms

Screening Mammogram

A preventive check-up (usually annually) for women with no symptoms.

  • • Covered 100% by ACA insurance
  • • Takes 10-15 minutes
  • • Usually lower cash price

Diagnostic Mammogram

Ordered if a lump is found, or if a screening shows an abnormality.

  • • Not always free; co-pays apply
  • • Takes longer; more images
  • • Higher cash price

Free Mammograms in Illinois

Even without private insurance, you may qualify for free breast cancer screenings through state and federal programs operating within Illinois.

Medicaid (HFS)

Low-income individuals in Illinois may qualify for Medicaid (HFS), which typically covers breast cancer screenings. Eligibility depends on your monthly income and household size.

National Breast and Cervical Cancer Early Detection Program (NBCCEDP)

This program provides access to breast and cervical cancer screening services to underserved women in Illinois. You may be eligible if you are at or below 250% of the federal poverty level, are uninsured or underinsured, and are between ages 40 and 64.

Note: Major insurance carriers in Illinois like Blue Cross Blue Shield of Illinois and Ambetter are required to cover screening mammograms at no cost to the patient under ACA-compliant plans.

Frequently Asked Questions

How much does a mammogram cost out-of-pocket in Illinois?

In Illinois, a screening mammogram typically costs between $190 - $850 without insurance. The average cash price is around $420. Diagnostic mammograms (used if a lump is found) are often more expensive, ranging from $400 to over $1,000.

Is a screening mammogram free?

Under the Affordable Care Act (ACA), screening mammograms are covered 100% by insurance (including plans from Blue Cross Blue Shield of Illinois) for women over 40. However, if you do not have insurance, you must pay the full price unless you qualify for Medicaid (HFS) or other assistance programs.

What is the difference between Screening and Diagnostic mammograms?

A **screening mammogram** is a routine check-up for women with no symptoms. A **diagnostic mammogram** is performed if a lump is felt or if a screening mammogram shows an abnormality. Diagnostic mammograms take more images and are interpreted immediately by a radiologist, making them more expensive.

Does a 3D mammogram cost more?

Yes, 3D mammograms (tomosynthesis) often cost $50-$100 more than traditional 2D mammograms. While many insurance plans now cover 3D screenings, cash-pay patients should ask for the specific price difference upfront.

Where can I get a free or low-cost mammogram in Illinois?

The CDC's National Breast and Cervical Cancer Early Detection Program (NBCCEDP) provides free or low-cost mammograms to low-income, uninsured, and underinsured women. In Illinois, you can also check into Medicaid (HFS) or local health departments in cities like Chicago for sliding-scale fees.

Sources & Disclaimer

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Last Updated: January 2026

Disclaimer: The information provided is for educational purposes only. Actual costs vary based on individual circumstances, location, age, plan selection, and other factors. Always verify current information with official sources or licensed professionals. This site does not sell insurance or provide medical advice and is not affiliated with any insurance company or healthcare provider.