CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: HCA Florida Kendall Hospital

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $3,843
Cash Discount Price: $15,466
vs. Medicare Baseline: 15.76x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at HCA Florida Kendall Hospital is $3,843. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $15,466. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 15.76x the Medicare baseline. Located in 11750 Bird Rd, Miami, FL.

Cash / Self-Pay

$15,466

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,843

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: $15,466 (6345%)

Insurance Median: $3,843 (1576%)

Cash: $15,466 (6345% of Medicare)

Ins. Median: $3,843 (1576% 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 1576% of the Medicare baseline (a markup of 1476%). 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 - $6,960	212%
Avmed	$1,034 - $7,733	424%
Aetna	$1,116 - $4,640	458%
Freedom Health	$1,330 - $2,475	546%
Optimum	$1,330	546%
Simply Healthcare Plans	$2,011	825%
Corvel Corporation	$2,717	1115%
Careworks (Rockport)	$2,774	1138%
Prime Health	$2,774	1138%
Molina	$2,939 - $4,176	1206%
Health Sun Health Plan	$3,294	1351%
Aids Healthcare	$3,403 - $18,559	1396%
Mmm Of Fl (Health Advantage Plan)	$3,557	1459%
United Ppo	$3,665	1503%
Sunshine State Health Plan	$4,021	1650%
Plotkin Health	$7,733	3172%
Prime Health Sherriff	$7,733	3172%
Medica Healthcare	$8,970	3680%
Multiplan	$11,600 - $13,146	4759%
Evernorth Bh	$12,373	5076%

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 $15,466.
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 Kendall 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.