CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: North Okaloosa Medical Center

Billing Code: 72148 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$274

about 1.1× the $244 Medicare rate · typically $246–$713

modeled estimate · not a bill or quote

What this hospital charges insurers

$255

About the fair price

about $19 under the fair price · 1.0× Medicare

Medicare pays $244 Fair price $274 This hospital $255 Cash price $1,828 Hospital's list price $8,123

How we calculate the fair BaseRate →

How this hospital compares to other FL hospitals

Highest price of the 9 FL hospitals we have prices for — worth calling around.

Cheapest $101 Priciest $255

Black dot = this hospital, among the 9 FL hospitals with a price for this procedure. Full list below.

⚠ The cash price looks unusually high next to the insurance price — it may be the full list price, not a real cash discount. Call to confirm the self-pay rate.

A fair price for a MRI, lower back (no contrast) is about $274 (about 1.1× the $244 Medicare rate). North Okaloosa Medical Center charges insurers about $255, or about $1,828 in cash — about the fair price. Located in Crestview, FL.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

5 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Cigna✓ Humana Kaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$153 - $3,406	63%
Blue Cross Blue Shieldmajor	$245 - $2,466	101%
Aetnamajor	$245 - $6,092	101%
Cignamajor	$245 - $6,336	101%
Humanamajor	$158 - $257	65%
Amerigroup	$153	63%
Oscar Health	$462	190%
Simply Healthcare	$156 - $257	64%
WellCare	$161 - $253	66%
+ 9 smaller / regional plans	$161 - $2,745

Government programs also on file: Medicare, Medicaid, Military & VA.

Excludes 5 rental-network / third-party entries (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 1,828), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 72148.

Insurance Before you use insurance

Call your insurance company to confirm North Okaloosa Medical Center is in-network.
Ask your insurer whether prior approval is required for CPT code 72148.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at North Okaloosa Medical Center

Compare: MRI, lower back (no contrast) at other FL hospitals

Insurance negotiated median for the same procedure, sorted lowest first.