CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Hannibal Regional Hospital

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $3,866
Cash Discount Price: $2,974
vs. Medicare Baseline: 15.86x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Hannibal Regional Hospital is $3,866. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,974. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 15.86x the Medicare baseline. Located in 6000 Hospital Dr, Hannibal, MO.

Cash / Self-Pay

$2,974

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,866

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: $2,974 (1220%)

Insurance Median: $3,866 (1586%)

Cash: $2,974 (1220% of Medicare)

Ins. Median: $3,866 (1586% 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 1586% of the Medicare baseline (a markup of 1486%). 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	$227 - $4,461	93%
UnitedHealthcare	$232 - $3,966	95%
Health Alliance	$250 - $4,114	103%
Medicaid / KanCare	$299	123%
Healthy Blue	$325	133%
Samaritan Employee Health Plan	$477	196%
Hope Trust	$670	275%
6 Degrees Health	$3,668 - $3,966	1505%
Blue Cross Blue Shield	$3,668 - $4,461	1505%
Cigna	$3,862	1584%
Current Health Network	$3,966	1627%
Healthlink	$3,966	1627%

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 $2,974.
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 Hannibal Regional Hospital 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.