CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Norton-King's Daughters' Health

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $1,159
Cash Discount Price: $450
vs. Medicare Baseline: 4.75x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Norton-King's Daughters' Health is $1,159. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $450. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 4.75x the Medicare baseline. Located in 1373 East Sr 62, Madison, IN.

Cash / Self-Pay

$450

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,159

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: $450 (185%)

Insurance Median: $1,159 (475%)

Cash: $450 (185% of Medicare)

Ins. Median: $1,159 (475% 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 475% of the Medicare baseline (a markup of 375%). 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
Aetna	$64 - $1,126	26%
Blue Cross Blue Shield	$117 - $1,159	48%
Humana	$117 - $253	48%
Managed Health Services Of Indiana	$117	48%
Managed Health Services Of Kentucky	$117	48%
Passport By Molina	$117	48%
UnitedHealthcare	$117 - $1,607	48%
Managed Health Services	$261 - $392	107%
Caresource Of Kentucky	$355	146%
Caresource Of Indiana	$380	156%
Custom Design Benefits	$506 - $1,024	208%
Cigna	$1,740	714%
Encore	$1,740	714%
Quality Care Partners	$1,822	747%
Bluegrass	$1,842	756%
First Health	$1,842	756%
Healthlink	$1,842	756%
Vha/Tristate	$1,842	756%
Multiplan/Phcs	$1,883	772%
Indiana Health Network	$1,945	798%
Siho	$1,945	798%

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 $450.
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 Norton-King's Daughters' Health 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.