CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Memorial Health Care Systems

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $1,709
Cash Discount Price: $2,940
vs. Medicare Baseline: 7.01x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Memorial Health Care Systems is $1,709. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,940. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 7.01x the Medicare baseline. Located in 300 North Columbia Ave, Seward, NE.

Cash / Self-Pay

$2,940

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,709

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: $2,940 (1206%)

Insurance Median: $1,709 (701%)

Cash: $2,940 (1206% of Medicare)

Ins. Median: $1,709 (701% 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 701% of the Medicare baseline (a markup of 601%). 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
Molina Mcaid-All Plans	$1,588	651%
Ne Total Care Mcaid-All Plans	$1,588	651%
UnitedHealthcare	$1,588 - $2,764	651%
Beshp Mcr Adv - All Plans	$1,676	688%
Blue Cross Blue Shield	$1,676 - $1,954	688%
Medica Mcare Cost	$1,676	688%
Medica Mcr Adv	$1,676	688%
Tricare	$1,676	688%
Wellcare Mcr Adv - All Plans	$1,709	701%
Phcs Ppo-All Plans	$2,793	1146%
Ambetter / Centene	$2,822	1158%
Medica Comm-All Other Plans	$2,822	1158%
Medica Elevate	$2,822	1158%
Midlands Choice-All Plans	$2,852	1170%
Aetna	$2,881	1182%

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 $2,940.
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 Memorial Health Care Systems 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.