CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: University of Miami Hospital and Clinics

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $3,671
Cash Discount Price: $1,525
vs. Medicare Baseline: 15.06x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at University of Miami Hospital and Clinics is $3,671. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,525. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 15.06x the Medicare baseline. Located in 1475 Nw 12Th Ave Suite 2175, Miami, FL.

Cash / Self-Pay

$1,525

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,671

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: $1,525 (626%)

Insurance Median: $3,671 (1506%)

Cash: $1,525 (626% of Medicare)

Ins. Median: $3,671 (1506% 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 1506% of the Medicare baseline (a markup of 1406%). 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	$244 - $3,389	100%
Aetna	$263 - $4,050	108%
Solis Health	$268	110%
Humana	$277	114%
Careplus	$1,412	579%
Sunshine Health	$1,783	731%
Molina Healthcare Of Fl	$2,438	1000%
Oscar Health Of Fl	$2,600	1067%
Amerihealth Caritas Fl	$2,625	1077%
Avmed	$2,756 - $3,675	1131%
Employers Health Network	$3,388	1390%
Simply Healthcare	$3,388	1390%
Blue Cross Blue Shield	$3,593 - $5,076	1474%
First Health	$3,671	1506%
Health First New York Health Insurance	$3,671	1506%
Curative	$3,950	1620%
Broward Health	$3,953	1622%
Cigna	$3,984 - $4,800	1634%
Beech Street	$4,518	1853%
Dimension Health	$4,518	1853%
Multiplan	$4,518	1853%

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 $1,525.
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 University of Miami Hospital and Clinics 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.