CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: HCA Florida North Florida Hospital

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $3,106
Cash Discount Price: $6,545
vs. Medicare Baseline: 12.74x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at HCA Florida North Florida Hospital is $3,106. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $6,545. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 12.74x the Medicare baseline. Located in 6500 W Newberry Rd, Gainesville, FL.

Cash / Self-Pay

$6,545

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,106

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: $6,545 (2685%)

Insurance Median: $3,106 (1274%)

Cash: $6,545 (2685% of Medicare)

Ins. Median: $3,106 (1274% 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 1274% of the Medicare baseline (a markup of 1174%). 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 - $2,945	212%
Simply	$1,008	414%
Molina Healthcare	$1,243 - $2,094	510%
Aetna	$1,392 - $1,963	571%
Avmed	$1,568 - $3,623	643%
Sunshine State Health Plan	$1,669	685%
Corvel Corporation	$2,632	1080%
Prime Health	$2,688	1103%
Careworks (Rockport Community)	$2,771	1137%
Plotkin Health	$3,272	1342%
Prime Health Sheriff	$3,272	1342%
Corizon Phs	$3,927	1611%
Multiplan	$5,105 - $5,563	2094%
Evernorth	$5,236	2148%
Evolutions Healthcare	$5,563	2282%
Ppo Next	$5,563	2282%
Novanet	$5,890	2416%
Beacon Health Options	$6,545	2685%

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 $6,545.
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 North Florida 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.