CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: St Joseph Health System, LLC

Billing Code: 72148 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$438

about 1.8× the $244 Medicare rate · typically $329–$502

modeled estimate · not a bill or quote

What this hospital charges insurers

$458

About the fair price

about $20 over the fair price · 1.9× Medicare

Medicare pays $244 Fair price $438 This hospital $458 Cash price $829 Hospital's list price $2,299

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 $458

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

A fair price for a MRI, lower back (no contrast) is about $438 (about 1.8× the $244 Medicare rate). St Joseph Health System, LLC charges insurers about $458, or about $829 in cash — about the fair price. Located in Fort Wayne, IN.

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	$224 - $2,021	92%
Blue Cross Blue Shieldmajor	$248 - $1,037	102%
Aetnamajor	$248 - $1,909	102%
Cignamajor	$578 - $2,807	237%
Humanamajor	$248 - $458	102%
CareSource	$458	188%
Devoted Health	$253	104%
Medical Mutual	$1,791 - $2,807	735%
+ 18 smaller / regional plans	$248 - $2,807

Government programs also on file: Medicare, Medicaid, Military & VA.

Excludes 9 rental-network / third-party entries (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 829), 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 St Joseph Health System, LLC 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 St Joseph Health System, LLC

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

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