CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Central Vermont Medical Center

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $240
Cash Discount Price: $3,521
vs. Medicare Baseline: 0.98x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Central Vermont Medical Center is $240. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,521. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 0.98x the Medicare baseline. Located in Box 547, Barre, VT.

Cash / Self-Pay

$3,521

Average discount available for prompt cash payment at this facility.

Insurance Median

$240

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: $3,521 (1444%)

Insurance Median: $240 (98%)

Cash: $3,521 (1444% of Medicare)

Ins. Median: $240 (98% 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.

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
Humana	$65 - $1,433	27%
Aetna	$66 - $240	27%
Coventry	$66 - $3,063	27%
Martins Point	$66 - $2,253	27%
UnitedHealthcare	$66 - $3,500	27%
Veterans Affairs Community Care Network	$66 - $240	27%
Blue Cross Blue Shield	$68 - $3,290	28%
Mvp	$68 - $3,253	28%
Capital District Physicians' Health Plan	$108 - $2,817	44%
Wellpath	$113 - $1,936	46%
Harvard Pilgrim	$164 - $2,817	67%
Cigna	$167 - $3,331	69%

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 $3,521.
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 Central Vermont 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.