CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Trinity Rock Island

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $192
Cash Discount Price: $520
vs. Medicare Baseline: 0.79x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Trinity Rock Island is $192. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $520. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 0.79x the Medicare baseline. Located in 2701 17Th St, Rock Island, IL.

Cash / Self-Pay

$520

Average discount available for prompt cash payment at this facility.

Insurance Median

$192

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: $520 (213%)

Insurance Median: $192 (79%)

Cash: $520 (213% of Medicare)

Ins. Median: $192 (79% 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.

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
Aetna	$65 - $710	27%
Ambetter / Centene	$65 - $403	27%
Blue Cross Blue Shield	$65 - $922	27%
Health Alliance	$65 - $257	27%
Amerivantage	$68 - $265	28%
Humana	$68 - $265	28%
Medicare (plans)	$68 - $257	28%
Meridian Health Plan	$68 - $265	28%
UnitedHealthcare	$68 - $634	28%
Cigna	$138 - $1,798	57%
Health Partners Open Network	$143 - $506	59%
Wellmark Uph Self-Funded	$147 - $922	60%
Iowa Total Care	$188	77%
Bc Illinois Community	$237 - $332	97%
Medica Exchange Inspire	$1,344	551%
Medica Exchange Insure	$1,505	617%

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 $520.
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 Trinity Rock Island 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.