CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Tj Health Columbia

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $400
Cash Discount Price: $1,756
vs. Medicare Baseline: 1.64x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Tj Health Columbia is $400. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,756. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 1.64x the Medicare baseline. Located in 901 Westlake Drive, Columbia, KY.

Cash / Self-Pay

$1,756

Average discount available for prompt cash payment at this facility.

Insurance Median

$400

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: $1,756 (720%)

Insurance Median: $400 (164%)

Cash: $1,756 (720% of Medicare)

Ins. Median: $400 (164% 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
Blue Cross Blue Shield	$224 - $2,701	92%
Humana	$224 - $400	92%
Signature Advantage - All Plans	$226	93%
Molina Mcr Adv	$228	94%
Devoted Mcr Adv - All Plans	$235	96%
Caresource - All Plans	$336	138%
Molina Marketplace - All Other Plans	$336	138%
Aetna	$400	164%
Molina Mcaid	$412	169%
UnitedHealthcare	$750	308%
Center Care Select - All Plans	$1,486	610%
Phcs/Multiplan - All Plans	$2,539	1042%
First Health - All Plans	$2,566	1053%

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 $1,756.
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 Tj Health Columbia 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.