CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Cleveland Clinic Martin North Hospital

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $184
Cash Discount Price: $788
vs. Medicare Baseline: 0.75x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Cleveland Clinic Martin North Hospital is $184. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $788. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 0.75x the Medicare baseline. Located in 200 Se Hospital Ave, Stuart, FL.

Cash / Self-Pay

$788

Average discount available for prompt cash payment at this facility.

Insurance Median

$184

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: $788 (323%)

Insurance Median: $184 (75%)

Cash: $788 (323% of Medicare)

Ins. Median: $184 (75% 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
Blue Cross Blue Shield	$56 - $1,020	23%
Avmed	$69 - $934	28%
Miami Childrens Health Plan	$69 - $243	28%
United	$69 - $524	28%
Careplus	$73 - $255	30%
Freedom Health	$73 - $255	30%
Independent Living Systems	$73 - $127	30%
Clear Spring Health	$75 - $279	31%
Cigna	$83 - $952	34%
Aetna	$86 - $2,896	35%
Multiplan	$104 - $264	43%
Humana	$243	100%
Wellcare	$243	100%
Devoted Health	$267	110%
Clarity Health	$346 - $1,230	142%
The Legacy Companies	$346 - $1,230	142%
Consociate Health	$400 - $1,419	164%
Bmi	$1,041	427%

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 $788.
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 Cleveland Clinic Martin North 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.