CMS Price Transparency Data

CT scan, lower back (lumbar spine)

Facility: University of Miami Hospital and Clinics

Billing Code: 72131 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72131
Insurance Median: $2,164
Cash Discount Price: $730
vs. Medicare Baseline: 20.26x Medicare

The contracted insurance negotiated median rate for a CT scan, lower back (lumbar spine) at University of Miami Hospital and Clinics is $2,164. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $730. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 20.26x the Medicare baseline. Located in 1475 Nw 12Th Ave Suite 2175, Miami, FL.

Cash / Self-Pay

$730

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,164

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$106.81

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $106.81 (100%)

Cash / Self-Pay: $730 (683%)

Insurance Median: $2,164 (2026%)

Cash: $730 (683% of Medicare)

Ins. Median: $2,164 (2026% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $106.81 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 2026% of the Medicare baseline (a markup of 1926%). 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
UnitedHealthcare	$107 - $3,330	100%
Aetna	$115 - $3,789	108%
Solis Health	$117	110%
Humana	$121	113%
Careplus	$676	633%
Sunshine Health	$1,538	1440%
Employers Health Network	$1,623	1520%
Simply Healthcare	$1,623	1520%
First Health	$1,758	1646%
Health First New York Health Insurance	$1,758	1646%
Avmed	$1,851 - $2,730	1733%
Broward Health	$1,894	1773%
Beech Street	$2,164	2026%
Dimension Health	$2,164	2026%
Multiplan	$2,164	2026%
Molina Healthcare Of Fl	$2,226	2084%
Oscar Health Of Fl	$2,470	2313%
Amerihealth Caritas Fl	$2,494	2335%
Cigna	$2,905 - $3,500	2720%
Curative	$3,650	3417%
Blue Cross Blue Shield	$4,050 - $5,601	3792%

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 $730.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 72131.

Insurance In-Network Protection Plan

Contact your insurance company to confirm University of Miami Hospital and Clinics is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 72131.
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.