CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Baylor Scott & White Medical Center - Centennial

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $1,606
Cash Discount Price: $2,028
vs. Medicare Baseline: 6.59x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Baylor Scott & White Medical Center - Centennial is $1,606. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,028. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 6.59x the Medicare baseline. Located in 12505 Lebanon Road, Frisco, TX.

Cash / Self-Pay

$2,028

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,606

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: $2,028 (832%)

Insurance Median: $1,606 (659%)

Cash: $2,028 (832% of Medicare)

Ins. Median: $1,606 (659% 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 659% of the Medicare baseline (a markup of 559%). 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
Superior Health Plan	$199 - $235	82%
Wellpoint (Fka Amerigroup)	$199 - $231	82%
Baylor Scott & White Health Plan	$213 - $2,057	87%
Humana	$224 - $2,366	92%
Triwest	$224	92%
American Health Plan	$235	96%
Blue Cross Blue Shield	$235 - $1,673	96%
Corvel	$235	96%
Healthspring	$235	96%
Molina	$235	96%
Prime Health Services	$235	96%
Procare Advantage	$235	96%
UnitedHealthcare	$258 - $2,519	106%
Ambetter / Centene	$464	190%
Imagine Health	$1,622	665%
Aetna	$1,859	763%
Employers Health Network	$1,859	763%
Quiktrip	$1,859	763%
Cigna	$1,868 - $2,198	766%
University Of Mary Hardin-Baylor	$2,014	826%
Curative	$2,197	901%
First Health	$2,366	971%
Healthsmart	$2,366 - $2,535	971%
Private Health Care System	$2,535	1040%

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 $2,028.
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 Baylor Scott & White Medical Center - Centennial 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.