CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: HCA Florida Citrus Hospital

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $2,142
Cash Discount Price: $7,141
vs. Medicare Baseline: 8.79x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at HCA Florida Citrus Hospital is $2,142. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $7,141. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 8.79x the Medicare baseline. Located in 502 W Highland Blvd, Inverness, FL.

Cash / Self-Pay

$7,141

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,142

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: $7,141 (2929%)

Insurance Median: $2,142 (879%)

Cash: $7,141 (2929% of Medicare)

Ins. Median: $2,142 (879% 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 879% of the Medicare baseline (a markup of 779%). 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
Access 2 Healthcare Physicians Freedom Optimum Group Members	$336	138%
Access 2 Healthcare Physicians Freedom Health	$428	176%
Access 2 Healthcare Physicians Optimum	$428	176%
Freedom Health Care	$464	190%
Optimum Healthcare	$464	190%
United	$518 - $3,213	212%
Aetna	$983 - $2,142	403%
Avmed	$1,080 - $3,418	443%
Molina	$1,357 - $1,928	557%
Sunshine State Health Plan	$1,821	747%
Corvel Corporation	$2,354	966%
Rockport Healthcare Group	$2,354	966%
Prime Health	$2,403	986%
Beacon Health Options	$3,570	1464%
Plotkin Health	$3,570	1464%
Prime Health Sheriff	$3,570	1464%
Evolutions Healthcare Systems	$4,285 - $6,570	1758%
Multiplan	$5,356 - $6,070	2197%
Evernorth	$5,713	2344%

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 $7,141.
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 HCA Florida Citrus Hospital 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.