What a Wellness contract pays, in dollars
Cost Plus Wellness publishes every provider contract. Most of them set the price as a percent of Medicare, which an employer cannot read as a price. We turned all 77 into dollars. The same knee replacement costs $17,679 to $29,000, depending on the surgery center. A knee MRI in Dallas costs $285.25 under one published contract and at least $607 under another.
Why this matters. A published price is only useful if an employer can compare it. Every price on this page comes from a contract Cost Plus Wellness publishes, with the page number. The comparison shows that the network does not have one price. It has many, and the gap between them is the money an employer saves by sending the work to the lower one. The published contracts make that choice possible: few provider contracts anywhere else are public at all.
The same surgery, five prices
Five surgery centers publish bundled prices: one price for the operation and the facility, and at some centers the anesthesia too. For a knee replacement, the bundle runs from $17,679 at Surgery Center of Oklahoma to $29,000 at Legent Health. For a total shoulder, it runs from $17,479 to $38,200. What a bundle covers differs a little between centers, so the coverage note for each center is below the table.
Lowest price in navy, highest in orange. Each price is the bundle printed in the center's contract. Legent Health lists the total hip twice, at $32,000 and at $33,500, with the same description, and the contract does not say why; both are shown. Watauga Orthopaedics lists trigger finger release twice: $400 is its office procedure, and $1,800 is the surgery bundle shown here. The centers are in five states, so part of the gap is local cost.
An office visit in Dallas
27 contracts price a Dallas office visit as a percent of Medicare. Medicare pays $135.25 for a 99214, an established patient visit of moderate complexity. The contracts pay $135.25 to $229.93. The median contract pays 135% of Medicare.
Dashed line: Medicare, $135.25 (Dallas locality, non-facility, 2026). Where a contract pays a lower percent to nurse practitioners or other credentials, the bar shows the physician rate and the note gives the others.
The same scan, two prices
Memorial MRI & Diagnostic pays 140% of Dallas Medicare for MRI and CT: $285.25 for a knee MRI, the whole scan. Baylor Scott & White prices the same scan two ways. At a hospital outpatient department, its contract's hospital rate table pays $607 for the hospital's part alone, and the radiologist's fee comes on top. At its freestanding imaging centers, its "Freestanding Imaging" price sheet pays $866.62. Either way, the same knee MRI costs more than twice as much.
Dallas locality, non-facility, 2026 Medicare Physician Fee Schedule. Memorial MRI & Diagnostic: contract C042, page 11, 140% for MRI and CT, global price. Baylor Scott & White: contract C010. The hospital route is the outpatient line of the "MCC UB-04 Rates Table" that Attachment B names, plus the radiologist's fee (modifier 26) from its professional price sheets, which range as shown because the contract does not say which sheet applies. The freestanding route is the global price on the professional "Freestanding Imaging" sheet. Every contract pays the lesser of billed charges or the rate, so each price is a ceiling.
Where the rates sit
The Congressional Budget Office reviewed the published studies in January 2022. On average, commercial insurers paid 117% of Medicare for primary care and office visits, and 144% for specialty services. Against that benchmark, the Wellness rates fall into two groups.
Primary care rates are mostly above the commercial average. 8 of 10 primary care contracts pay more than 117% of Medicare. Baylor Scott & White's primary care sheet has a median of 174%. Specialist rates are mostly below it. 3 of 17 specialty contracts pay more than 144%. Baylor Scott & White's specialist sheet has a median of 146%.
So the savings in this network do not come from low physician fees across the board. They come from what most contracts do on every claim: a fixed published price, no coinsurance for the patient (63 of 77 contracts say so), and in many contracts payment within 30 days of a clean claim. And they come from choice. The gaps on this page, $11,321 for a knee replacement and more than $300 for a single knee MRI, are larger than any difference in office visit fees.
Baylor Scott & White's fixed price sheets, compared code by code with Dallas Medicare (non-facility, global, no modifier). Median and middle half of all codes priced on both. CBO: "The Prices That Commercial Health Insurers and Medicare Pay for Hospitals' and Physicians' Services," January 2022. CBO's averages are national and come from studies of 2013 to 2018 data, so they place these rates in range; they do not price them.
All 77 contracts
Every contract Cost Plus Wellness published as of October 15, 2026. "Percent of Medicare" lists every percent the contract states. Contracts flagged "read with care" have a term the contract leaves unclear; the JSON download carries the note for each. Search by provider, specialty or state.
| Contract | Provider | Specialty | Licensed in | Pricing | Percent of Medicare | Document |
|---|
Download CSV Download JSON 77 rows. The JSON also carries every comparison on this page.
Method
Contracts: every contract listed on costpluswellness.com on October 15, 2026, 79 listings that map to 77 contract documents. Each document was read in full, including scanned pages, and every rate term was recorded with its page number. 26 contracts print a code-level price list; those lists were transcribed and checked by hand where the scan was unclear.
Medicare: the 2026 Medicare Physician Fee Schedule, CMS relative value file RVU26D (October 2026 release), Dallas locality (MAC 04412, locality 11), non-facility price, conversion factor $33.4009 (the rate for clinicians who do not qualify as advanced APM participants; no contract mentions APM status). Prices were recomputed for 18 codes and checked against CMS's own fee schedule data, with no differences.
What this can and cannot say. Every contract pays the lesser of billed charges or the rate, so each dollar figure is a ceiling, not a payment. "Dallas locality" in Medicare covers Dallas County only; the contracts apply it to providers across the metro area. Some contracts leave terms unclear: Baylor Scott & White does not say which of its price sheets applies to which service; Pediatric Subspecialty Network does not define primary care against specialist; Apex Orthopedics ties a rate to a place of service but names the non-facility price. Those contracts are flagged and the page says which term it used. Surgery bundles differ in what they include (implants, overnight stay, anesthesia), and the centers sit in five states, so the bundle gaps are not all price. The CBO benchmark is a national average of published studies, not a Dallas price. Nothing here measures quality, and nothing here describes what any employer actually paid.