CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: HCA Florida Largo Hospital

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $2,553
Cash Discount Price: $10,480
vs. Medicare Baseline: 10.47x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at HCA Florida Largo Hospital is $2,553. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $10,480. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 10.47x the Medicare baseline. Located in 201 14Th St Sw, Largo, FL.

Cash / Self-Pay

$10,480

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,553

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: $10,480 (4299%)

Insurance Median: $2,553 (1047%)

Cash: $10,480 (4299% of Medicare)

Ins. Median: $2,553 (1047% 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 1047% of the Medicare baseline (a markup of 947%). 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
Access 2 Healthcare Physicians Freedom Optimum Group Members	$247 - $738	101%
Aetna	$362 - $4,713	149%
Access 2 Healthcare Physicians Freedom Health	$378 - $1,131	155%
Access 2 Healthcare Physicians Optimum	$378 - $1,131	155%
Freedom Health Care	$409 - $1,225	168%
Optimum Healthcare	$409 - $1,225	168%
United	$518 - $7,070	212%
Simply Healthcare	$808 - $2,419	331%
Molina	$997 - $4,242	409%
Avmed	$1,080 - $3,418	443%
Sunshine State Health Plan	$1,338 - $4,006	549%
Corvel Corporation	$2,529	1037%
Rockport Healthcare Group	$2,529	1037%
Prime Health	$2,583	1060%
Beacon Health Options	$2,624 - $7,855	1076%
Plotkin Health	$2,624 - $7,855	1076%
Prime Health Sheriff	$2,624 - $7,855	1076%
Evolutions Healthcare Systems	$2,887 - $14,454	1184%
Multiplan	$3,937 - $13,354	1615%
Evernorth	$4,199 - $12,568	1723%
Emerging Therapy Solutions	$10,526	4318%
UnitedHealthcare	$15,711	6445%

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 $10,480.
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 Largo 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.