CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: HCA Florida Fawcett Hospital

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $2,503
Cash Discount Price: $14,466
vs. Medicare Baseline: 10.27x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at HCA Florida Fawcett Hospital is $2,503. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $14,466. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 10.27x the Medicare baseline. Located in 21298 Olean Blvd, Port Charlotte, FL.

Cash / Self-Pay

$14,466

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,503

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: $14,466 (5934%)

Insurance Median: $2,503 (1027%)

Cash: $14,466 (5934% of Medicare)

Ins. Median: $2,503 (1027% 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 1027% of the Medicare baseline (a markup of 927%). 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 - $6,510	212%
Access 2 Healthcare Physicians Freedom Optimum Group Members	$680	279%
Access 2 Healthcare Physicians Freedom Health	$1,042	427%
Access 2 Healthcare Physicians Optimum	$1,042	427%
Avmed	$1,080 - $3,418	443%
Aetna	$1,101 - $4,340	452%
Freedom Health Care	$1,128	463%
Optimum Healthcare	$1,128	463%
Simply Healthcare	$2,228	914%
Corvel Corporation	$2,451	1005%
Rockport Healthcare Group	$2,451	1005%
Prime Health	$2,503	1027%
Molina	$2,749 - $3,906	1128%
Sunshine State Health Plan	$3,689	1513%
Behealthy America	$5,642	2314%
Evolutions Healthcare Systems	$7,233 - $13,309	2967%
Plotkin Health	$7,233	2967%
Prime Health Sheriff	$7,233	2967%
Multiplan	$10,850 - $12,296	4451%

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 $14,466.
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 Fawcett 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.