CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Mercy Hospital Lincoln

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $2,034
Cash Discount Price: $2,003
vs. Medicare Baseline: 8.34x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Mercy Hospital Lincoln is $2,034. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,003. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 8.34x the Medicare baseline. Located in 1000 East Cherry Street, Troy, MO.

Cash / Self-Pay

$2,003

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,034

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: $2,003 (822%)

Insurance Median: $2,034 (834%)

Cash: $2,003 (822% of Medicare)

Ins. Median: $2,034 (834% 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 834% of the Medicare baseline (a markup of 734%). 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
Medicaid / KanCare	$200 - $1,415	82%
UnitedHealthcare	$304 - $2,034	125%
Blue Cross Blue Shield	$317 - $2,373	130%
Aetna	$462 - $2,019	190%
Workers Comp [20426]	$560 - $2,466	230%
Tricare	$660	271%
Medicare (plans)	$665 - $3,082	273%
Provider Partners Health Plans Contracted [320450]	$721	296%
American Health Advantage Of Mo Mcr [10473]	$726	298%
Cherokee Nation Health Serv Contracted [320066]	$726	298%
Cross Timbers Hospice [20098]	$726	298%
Dept Of Veteran Affairs Contracted [320106]	$726	298%
Elara Caring Aspire Hospice Contracted [320433]	$726	298%
Elara Caring Aspire Hospice [20433]	$726	298%
Globalhealth Contracted [320145]	$726	298%
Halo Hcr Inc Hospice Contracted [320432]	$726	298%
Halo Hcr Inc Hospice [20432]	$726	298%
Humana	$726 - $2,774	298%
Indian Health Service Contracted [320198]	$726	298%
Kindful Hospice Contracted [320434]	$726	298%
Kindful Hospice [20434]	$726	298%
Mercy Hospice Okc [20252]	$726	298%
Pace Of The Ozarks Contracted [320518]	$726	298%
Qual Choice Contracted [320325]	$726	298%
Cigna	$774 - $2,558	318%
Centivo Contracted [320505]	$1,119	459%
Medica Contracted [320239]	$1,294	531%
Ambetter / Centene	$1,415	580%
Home State Health Plan Contracted [320187]	$1,415	580%
Novasys Contracted [320285]	$1,415	580%
Hope Trust Contracted [320488]	$1,526	626%
Health Choices Contracted [320448]	$1,849	759%
Health Choices [20448]	$1,849	759%
Medical Associates Health Contracted [320444]	$1,849	759%
First Health Contracted [320128]	$2,019	828%
United Medical Resources Contracted [320454]	$2,034	834%
Multiplan Contracted [320270]	$2,312	948%
Healthlink Contracted [320179]	$2,496 - $2,743	1024%
Aither Health Contracted [320449]	$2,620	1075%
Aither Health [20449]	$2,620	1075%
Auxiant Contracted [320462]	$2,620	1075%
Ebms Contracted [320493]	$2,620	1075%
Edison Health Solutions Contracted [320502]	$2,620	1075%
Federal Medical Center Contracted [320127]	$2,620	1075%
Imagine 360 Contracted [320494]	$2,620	1075%
Insurance System Inc Contracted [320465]	$2,620	1075%
Mercy Benefit Admin Contracted [320251]	$2,620	1075%
Mercy Benefit Admin [20251]	$2,620	1075%
Point C Contracted [320238]	$2,620	1075%
Preferred Health Plan Contracted [320522]	$2,620	1075%
Reflect Health Contracted [320492]	$2,620	1075%
Show-Me Health Administrators Contracted [320483]	$2,620	1075%
Tri State Healthcare Coalition Contracted [320379]	$2,620	1075%
Yuzu Health Contracted [320521]	$2,620	1075%

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 $2,003.
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 Mercy Hospital Lincoln 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.