CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Baptist Hospital

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $918
Cash Discount Price: $918
vs. Medicare Baseline: 3.77x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Baptist Hospital is $918. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $918. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 3.77x the Medicare baseline. Located in 123 Baptist Way, Pensacola, FL.

Cash / Self-Pay

$918

Average discount available for prompt cash payment at this facility.

Insurance Median

$918

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: $918 (377%)

Insurance Median: $918 (377%)

Cash: $918 (377% of Medicare)

Ins. Median: $918 (377% 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 377% of the Medicare baseline (a markup of 277%). 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
Aetna	$154 - $4,468	63%
Cha Health Plan	$154	63%
UnitedHealthcare	$154 - $2,235	63%
Humana	$162 - $247	66%
Mh Sunshine Mcaid	$162	66%
Staywell	$162	66%
Sunshine Health	$162	66%
Fl Community Care Ltc	$165	68%
Simply Healthcare Healthy Kids	$177	73%
Hospice Covenant	$243	100%
Medicare (plans)	$243	100%
Healthspring Of Fl Al	$250	103%
Mh Wellcare	$255	105%
Wellcare	$255	105%
Fl Blue	$364 - $2,164	149%
Uwf Athletes	$650 - $3,978	267%
Pensacola	$918	377%
Bc Fl	$1,559	640%
Hospice Regency	$1,836	753%
Wc Corvel	$2,242 - $5,814	920%
Cigna	$2,907 - $6,120	1193%
Hospice Emerald Coast	$3,060	1255%
Escambia	$3,672	1506%
Private Healthcare	$3,978	1632%
First Health	$4,253	1745%
Choicecare	$4,590	1883%
Mh Choicecare	$4,590	1883%
Multiplan	$5,447	2234%

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 $918.
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 Baptist 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.