CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Marshfield Medical Center - Beaver Dam (Mmc-Bd)

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $2,716
Cash Discount Price: $3,063
vs. Medicare Baseline: 11.14x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Marshfield Medical Center - Beaver Dam (Mmc-Bd) is $2,716. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,063. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 11.14x the Medicare baseline. Located in 707 S University Ave, Beaver Dam, WI.

Cash / Self-Pay

$3,063

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,716

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: $3,063 (1257%)

Insurance Median: $2,716 (1114%)

Cash: $3,063 (1257% of Medicare)

Ins. Median: $2,716 (1114% 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 1114% of the Medicare baseline (a markup of 1014%). 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
Wps Health Insurance	$595 - $2,170	244%
UnitedHealthcare	$1,284	527%
The Alliance	$1,637	672%
Security Health Plan (Shp)	$1,676 - $1,862	688%
Amish/Mennonite	$1,773	727%
Quartz	$1,838	754%
Cigna	$2,192 - $2,386	899%
Health Payment Systems	$2,244	921%
Humana	$2,547 - $2,869	1045%
Group Health Cooperative Of Eau Claire	$2,644 - $3,063	1085%
Blue Cross Blue Shield	$2,653 - $3,396	1088%
Network Health Plan	$2,692	1104%
First Health	$2,740	1124%
Molina Healthcare Of Wi	$2,740	1124%
Trilogy	$2,902	1190%
Healtheos By Multiplan Inc.	$2,998 - $3,063	1230%
Health Partners	$3,063	1257%
Coventry	$3,095	1270%

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 $3,063.
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 Marshfield Medical Center - Beaver Dam (Mmc-Bd) 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.