CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Arbor Health Morton Hospital

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $1,099
Cash Discount Price: $1,467
vs. Medicare Baseline: 4.51x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Arbor Health Morton Hospital is $1,099. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,467. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 4.51x the Medicare baseline. Located in 521 Adams Street, Morton, WA.

Cash / Self-Pay

$1,467

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,099

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: $1,467 (602%)

Insurance Median: $1,099 (451%)

Cash: $1,467 (602% of Medicare)

Ins. Median: $1,099 (451% 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 451% of the Medicare baseline (a markup of 351%). 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
Comm Health Healthy Options	$1,018	418%
Kaiser Mcaid	$1,018	418%
UnitedHealthcare	$1,018 - $1,893	418%
Amerigroup-All Other Plans	$1,079	443%
Aetna	$1,088 - $2,082	446%
Amerigroup Mcr Adv	$1,088	446%
Comm Health Mcr Adv	$1,088	446%
Healthnet Mcr Adv - All Plans	$1,088	446%
Humana	$1,088	446%
Mcr Railroad Mcr Adv - All Plans	$1,088	446%
Medicare (plans)	$1,088	446%
Premera Hmo Mcr Adv	$1,088	446%
Rural Health Mcare - All Plans	$1,088	446%
Regence Blue Shield Mcr Adv	$1,099	451%
Molina Mcr Adv	$1,143	469%
Wellcare Mcr Adv - All Plans	$1,143	469%
Molina Marketplace-All Other Plans	$1,393	571%
Regence Blue Shield Ump-All Other Plans	$1,656	679%
Kaiser Comm-All Other Plans	$1,857	762%
Molina Mcaid	$1,964	806%
Comm Health Basic Sub - All Other Plans	$2,011	825%
Comm Health Pebb	$2,011	825%
Premera First-All Other Plans	$2,129	873%
Cigna	$2,200	902%
First Choice-All Plans	$2,200	902%

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 $1,467.
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 Arbor Health Morton Hospital 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.