CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: HCA Florida Osceola Hospital

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $7,059
Cash Discount Price: $15,688
vs. Medicare Baseline: 28.96x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at HCA Florida Osceola Hospital is $7,059. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $15,688. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 28.96x the Medicare baseline. Located in 700 West Oak Street, Kissimmee, FL.

Cash / Self-Pay

$15,688

Average discount available for prompt cash payment at this facility.

Insurance Median

$7,059

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: $15,688 (6436%)

Insurance Median: $7,059 (2896%)

Cash: $15,688 (6436% of Medicare)

Ins. Median: $7,059 (2896% 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 2896% of the Medicare baseline (a markup of 2796%). 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 - $7,092	212%
Freedom Health	$1,124 - $1,135	461%
Optimum	$1,124 - $1,135	461%
Aetna	$1,580 - $4,728	648%
Avmed	$1,625 - $7,880	667%
Simply	$2,405 - $2,427	987%
Corvel Corporation	$2,496	1024%
Prime Health	$2,548	1045%
Careworks (Rockport Community)	$2,627	1078%
Molina Healthcare	$2,967 - $4,255	1217%
Sunshine State Health Plan	$3,982 - $4,019	1634%
Plotkin Health	$7,808 - $7,880	3203%
Prime Health Sheriff	$7,808 - $7,880	3203%
Multiplan	$11,712 - $13,395	4805%
Evernorth	$12,493 - $12,607	5125%
Ppo Next	$13,274 - $13,395	5445%
Novanet	$14,055 - $14,183	5766%
Beacon Health Options	$15,616 - $15,759	6406%

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 $15,688.
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 Osceola 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.