CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Carle Foundation Hospital

Billing Code: 72148 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$257

about 1.1× the $244 Medicare rate · typically $255–$283

modeled estimate · not a bill or quote

What this hospital charges insurers

$256

About the fair price

about $1 under the fair price · 1.0× Medicare

Medicare pays $244 Fair price $257 This hospital $256 Cash price $5,292 Hospital's list price $5,292

How we calculate the fair BaseRate →

How this hospital compares to other IL hospitals

Highest price of the 9 IL hospitals we have prices for — worth calling around.

Cheapest $71 Priciest $256

Black dot = this hospital, among the 9 IL hospitals with a price for this procedure. Full list below.

⚠ The cash price looks unusually high next to the insurance price — it may be the full list price, not a real cash discount. Call to confirm the self-pay rate.

A fair price for a MRI, lower back (no contrast) is about $257 (about 1.1× the $244 Medicare rate). Carle Foundation Hospital charges insurers about $256, or about $5,292 in cash — about the fair price. Located in Urbana, IL.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

5 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Cigna✓ Humana Kaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$256 - $3,276	105%
Blue Cross Blue Shieldmajor	$256 - $3,440	105%
Aetnamajor	$242 - $4,244	99%
Cignamajor	$4,128	1693%
Humanamajor	$235 - $256	96%
HealthLink	$4,498	1845%
Meridian	$256 - $529	105%
Molina	$256 - $1,588	105%
WellCare	$256	105%
+ 1 smaller / regional plan	$3,114

Excludes 1 rental-network / third-party entry (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 5,292), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 72148.

Insurance Before you use insurance

Call your insurance company to confirm Carle Foundation Hospital is in-network.
Ask your insurer whether prior approval is required for CPT code 72148.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at Carle Foundation Hospital

Compare: MRI, lower back (no contrast) at other IL hospitals

Insurance negotiated median for the same procedure, sorted lowest first.