diff --git a/litellm/litellm_core_utils/llm_cost_calc/utils.py b/litellm/litellm_core_utils/llm_cost_calc/utils.py
index 0a52e1d283e..c76579fa0b3 100644
--- a/litellm/litellm_core_utils/llm_cost_calc/utils.py
+++ b/litellm/litellm_core_utils/llm_cost_calc/utils.py
@@ -818,6 +818,47 @@ def _resolve_reasoning_token_cost(
     return standard_reasoning_cost if standard_reasoning_cost is not None else completion_base_cost
 
 
+def _fold_undistinguished_input_modality_tokens(
+    prompt_tokens_details: PromptTokensDetailsResult,
+    model_info: ModelInfo,
+) -> PromptTokensDetailsResult:
+    """
+    Some providers report per-modality input token counts (image/audio/video) that are
+    not guaranteed to be disjoint from cache_hit_tokens -- e.g. a cached image's tokens
+    are counted in both ``cached_tokens`` and ``image_tokens``. A modality with no
+    distinct per-token rate bills at the same rate as plain text either way, so folding
+    its tokens into ``text_tokens`` up front removes the overlap entirely instead of
+    risking it being billed once as cache_hit_tokens and again as that modality's
+    tokens. Modalities with an explicit distinct rate are left untouched: resolving
+    their overlap with cache_hit_tokens needs a per-modality cache breakdown the
+    aggregate usage fields don't provide.
+    """
+    text_tokens = prompt_tokens_details["text_tokens"]
+    image_tokens = prompt_tokens_details["image_tokens"]
+    audio_tokens = prompt_tokens_details["audio_tokens"]
+    video_tokens = prompt_tokens_details["video_tokens"]
+
+    if image_tokens and model_info.get("input_cost_per_image_token") is None:
+        text_tokens += image_tokens
+        image_tokens = 0
+    if audio_tokens and model_info.get("input_cost_per_audio_token") is None:
+        text_tokens += audio_tokens
+        audio_tokens = 0
+    if video_tokens and model_info.get("input_cost_per_video_token") is None:
+        text_tokens += video_tokens
+        video_tokens = 0
+
+    return PromptTokensDetailsResult(
+        **{
+            **prompt_tokens_details,
+            "text_tokens": text_tokens,
+            "image_tokens": image_tokens,
+            "audio_tokens": audio_tokens,
+            "video_tokens": video_tokens,
+        }
+    )
+
+
 def generic_cost_per_token(
     model: str,
     usage: Usage,
@@ -872,6 +913,7 @@ def generic_cost_per_token(
     )
     if usage.prompt_tokens_details:
         prompt_tokens_details = parse_prompt_tokens_details(usage)
+        prompt_tokens_details = _fold_undistinguished_input_modality_tokens(prompt_tokens_details, model_info)
 
     ## EDGE CASE - text tokens not set or includes cached tokens (double-counting)
     ## Some providers (like xAI) report text_tokens = prompt_tokens (including cached)
diff --git a/tests/test_litellm/litellm_core_utils/llm_cost_calc/test_llm_cost_calc_utils.py b/tests/test_litellm/litellm_core_utils/llm_cost_calc/test_llm_cost_calc_utils.py
index f66056a54e2..11ecd9392cf 100644
--- a/tests/test_litellm/litellm_core_utils/llm_cost_calc/test_llm_cost_calc_utils.py
+++ b/tests/test_litellm/litellm_core_utils/llm_cost_calc/test_llm_cost_calc_utils.py
@@ -270,6 +270,55 @@ def test_image_tokens_fallback_to_base_cost():
     assert round(completion_cost, 12) == round(expected_completion_cost, 12)
 
 
+def test_generic_cost_per_token_does_not_double_bill_overlapping_cached_image_tokens():
+    """
+    Regression test for https://github.com/BerriAI/litellm/issues/37281.
+
+    Some OpenAI-compatible providers report `image_tokens` as a subset of
+    `prompt_tokens` that is not guaranteed to be disjoint from `cached_tokens` (a
+    cached image's tokens are counted in both). When the model has no distinct
+    `input_cost_per_image_token`, image tokens must bill at the same rate as text
+    either way, so they should never be billed a second time on top of the
+    cache-hit tokens that already cover them.
+    """
+    from unittest.mock import patch
+
+    mock_model_info = {
+        "input_cost_per_token": 1e-6,
+        "cache_read_input_token_cost": 1e-7,
+        "output_cost_per_token": 2e-6,
+        # No input_cost_per_image_token defined - image tokens share the text rate.
+    }
+
+    usage = Usage(
+        prompt_tokens=100,
+        completion_tokens=10,
+        total_tokens=110,
+        prompt_tokens_details=PromptTokensDetailsWrapper(
+            text_tokens=None,
+            cached_tokens=90,
+            image_tokens=80,
+        ),
+    )
+
+    with patch(
+        "litellm.litellm_core_utils.llm_cost_calc.utils.get_model_info",
+        return_value=mock_model_info,
+    ):
+        prompt_cost, completion_cost = generic_cost_per_token(
+            model="test-model", usage=usage, custom_llm_provider="openai"
+        )
+
+    # 10 uncached tokens at the base rate + 90 cache-hit tokens at the cache rate.
+    # Before the fix, the 70 overlapping tokens were billed once via cache_hit_tokens
+    # and again via image_tokens, producing 89e-6 instead of 19e-6.
+    expected_prompt_cost = 10 * 1e-6 + 90 * 1e-7
+    expected_completion_cost = 10 * 2e-6
+
+    assert round(prompt_cost, 12) == round(expected_prompt_cost, 12)
+    assert round(completion_cost, 12) == round(expected_completion_cost, 12)
+
+
 def test_video_output_tokens_gemini_omni_flash_preview():
     """Video output tokens are billed at output_cost_per_video_token, not the text rate and not zero."""
     model = "gemini-omni-flash-preview"