CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Memorialcare Orange Coast Medical Center

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $528
Cash Discount Price: $7,633
vs. Medicare Baseline: 2.17x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Memorialcare Orange Coast Medical Center is $528. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $7,633. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 2.17x the Medicare baseline. Located in 9920 Talbert Avenue, Fountain Valley, CA.

Cash / Self-Pay

$7,633

Average discount available for prompt cash payment at this facility.

Insurance Median

$528

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$243.77

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $243.77 (100%)

Cash / Self-Pay: $7,633 (3131%)

Insurance Median: $528 (217%)

Cash: $7,633 (3131% of Medicare)

Ins. Median: $528 (217% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $243.77 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 217% of the Medicare baseline (a markup of 117%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Seoul Medical Group	$276	113%
UnitedHealthcare	$280	115%
Blue Shield	$301 - $4,891	123%
Blue Cross Blue Shield	$307 - $838	126%
Molina	$316	130%
Universal Care	$322	132%
Central Health	$338	139%
Clever Care	$368	151%
Healthcare Partners	$384 - $835	158%
Select Health	$414	170%
Monarch Health Plan	$494 - $767	203%
Cigna	$652 - $977	267%
Centivo	$690	283%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $7,633.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 72148.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Memorialcare Orange Coast Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 72148.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.