CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Northern Nevada Medical Center

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $2,730
Cash Discount Price: $4,924
vs. Medicare Baseline: 11.20x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Northern Nevada Medical Center is $2,730. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,924. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 11.20x the Medicare baseline. Located in 2375 E Prater Way, Sparks, NV.

Cash / Self-Pay

$4,924

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,730

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: $4,924 (2020%)

Insurance Median: $2,730 (1120%)

Cash: $4,924 (2020% of Medicare)

Ins. Median: $2,730 (1120% 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 1120% of the Medicare baseline (a markup of 1020%). 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
Blue Cross Blue Shield	$257	105%
Smart_Choice	$257	105%
Silver_Summit	$262	107%
Molina	$265	109%
United_Healthcare	$524	215%
Humana	$1,140 - $1,382	468%
Aetna	$1,404 - $3,556	576%
Prominence	$2,346 - $2,677	962%
Sierra_Health_Options	$2,438 - $2,782	1000%
Cigna	$2,472 - $4,068	1014%
Nevada_Preferred_Providers	$3,047 - $3,478	1250%
Business_Coalition	$6,726 - $7,677	2759%
Multiplan	$8,279 - $9,449	3396%

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 $4,924.
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 Northern Nevada Medical Center 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.