CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: HCA Florida Jfk Hospital

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $2,097
Cash Discount Price: $7,205
vs. Medicare Baseline: 8.60x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at HCA Florida Jfk Hospital is $2,097. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $7,205. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 8.60x the Medicare baseline. Located in 5301 S Congress Ave, Atlantis, FL.

Cash / Self-Pay

$7,205

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,097

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: $7,205 (2956%)

Insurance Median: $2,097 (860%)

Cash: $7,205 (2956% of Medicare)

Ins. Median: $2,097 (860% 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 860% of the Medicare baseline (a markup of 760%). 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
United	$518 - $3,242	212%
Healthy Palm Beaches	$550	226%
Freedom Health	$620 - $1,153	254%
Optimum	$620	254%
Simply Healthcare Plans	$937	384%
Avmed	$1,088 - $3,602	446%
Aetna	$1,200 - $2,162	492%
Molina	$1,225 - $1,945	503%
Health Sun Health Plan	$1,535	630%
Aids Healthcare	$1,585 - $8,646	650%
Mmm Of Fl (Health Advantage Plan)	$1,657	680%
United Ppo	$1,708	701%
Sunshine State Health Plan	$1,873	768%
Blis	$2,522	1035%
Corvel Corporation	$2,616	1073%
Careworks (Rockport)	$2,671	1096%
Prime Health	$2,671	1096%
District Cares	$3,602	1478%
Plotkin Health	$3,602	1478%
Prime Health Sherriff	$3,602	1478%
Medica Healthcare	$4,251	1744%
Multiplan	$5,404 - $6,124	2217%
Evernorth Bh	$5,764	2365%

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 $7,205.
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 Jfk 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.