CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Heart of the Rockies Regional Medical Center

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $293
Cash Discount Price: $262
vs. Medicare Baseline: 1.20x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Heart of the Rockies Regional Medical Center is $293. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $262. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 1.20x the Medicare baseline. Located in 1000 Rush Dr, Salida, CO.

Cash / Self-Pay

$262

Average discount available for prompt cash payment at this facility.

Insurance Median

$293

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: $262 (107%)

Insurance Median: $293 (120%)

Cash: $262 (107% of Medicare)

Ins. Median: $293 (120% 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.

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
Humana	$63 - $1,155	26%
Kasier Mcr Adv	$70 - $1,155	29%
Medicare (plans)	$70 - $1,155	29%
UnitedHealthcare	$70 - $3,361	29%
Kaiser-All Other Plans	$115 - $3,326	47%
Friday Health Plan Of Co-All Plans	$171 - $3,151	70%
Aetna	$180 - $3,326	74%
Blue Cross Blue Shield	$180 - $3,326	74%
Cigna	$180 - $3,326	74%
Rocky Mountain Health Plan-All Plans	$180 - $3,326	74%

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 $262.
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 Heart of the Rockies Regional 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.