CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: HCA Florida Palms West Hospital

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $2,671
Cash Discount Price: $15,173
vs. Medicare Baseline: 10.96x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at HCA Florida Palms West Hospital is $2,671. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $15,173. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 10.96x the Medicare baseline. Located in 13001 Southern Blvd, Loxahatchee, FL.

Cash / Self-Pay

$15,173

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,671

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: $15,173 (6224%)

Insurance Median: $2,671 (1096%)

Cash: $15,173 (6224% of Medicare)

Ins. Median: $2,671 (1096% 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 1096% of the Medicare baseline (a markup of 996%). 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 - $6,828	212%
Healthy Palm Beaches	$550	226%
Avmed	$1,088 - $7,586	446%
Aetna	$1,200 - $4,552	492%
Freedom Health	$1,305 - $2,428	535%
Optimum	$1,305	535%
Simply Healthcare Plans	$1,972	809%
Corvel Corporation	$2,616	1073%
Careworks (Rockport)	$2,671	1096%
Prime Health	$2,671	1096%
Molina	$2,883 - $4,097	1183%
Health Sun Health Plan	$3,232	1326%
Aids Healthcare	$3,338 - $18,208	1369%
Mmm Of Fl (Health Advantage Plan)	$3,490	1432%
United Ppo	$3,596	1475%
Sunshine State Health Plan	$3,945	1618%
Health Care District	$7,586	3112%
Palm Beach Juvenile Correction	$7,586	3112%
Plotkin Health	$7,586	3112%
Prime Health Sherriff	$7,586	3112%
Medica Healthcare	$8,800	3610%
Multiplan	$11,380 - $12,897	4668%

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 $15,173.
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 Palms West 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.