CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Saint Joseph Regional Medical Center

Billing Code: 72148 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$406

about 1.7× the $244 Medicare rate · typically $263–$470

modeled estimate · not a bill or quote

What this hospital charges insurers

$404

About the fair price

about $2 under the fair price · 1.7× Medicare

Medicare pays $244 Fair price $406 This hospital $404 Cash price $3,026 Hospital's list price $4,655

How we calculate the fair BaseRate →

How this hospital compares to other IN hospitals

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

Cheapest $72 Priciest $404

Black dot = this hospital, among the 9 IN 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 $406 (about 1.7× the $244 Medicare rate). Saint Joseph Regional Medical Center charges insurers about $404, or about $3,026 in cash — about the fair price. Located in Mishawaka, IN.

What each insurance company pays

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

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

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Cigna HumanaKaiser 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	$131 - $1,508	54%
Blue Cross Blue Shieldmajor	$112 - $891	46%
Aetnamajor	$131 - $3,026	54%
Cignamajor	$2,979	1222%
CareSource	$391	160%
GEHA	$204 - $1,056	84%
Health Net	$2,979 - $3,445	1222%
HealthPartners	$2,979	1222%
Medical Mutual	$974 - $3,026	400%
Meridian	$252	103%
MVP Health Care	$2,979	1222%
Priority Health	$2,979	1222%
+ 42 smaller / regional plans	$204 - $4,655

Government programs also on file: Medicare, Medicaid.

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 3,026), 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 Saint Joseph Regional Medical Center 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 Saint Joseph Regional Medical Center

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

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