CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Beloit Health System

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $3,400
Cash Discount Price: $1,475
vs. Medicare Baseline: 13.95x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Beloit Health System is $3,400. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,475. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 13.95x the Medicare baseline. Located in 1969 W Hart Rd, Beloit, WI.

Cash / Self-Pay

$1,475

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,400

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: $1,475 (605%)

Insurance Median: $3,400 (1395%)

Cash: $1,475 (605% of Medicare)

Ins. Median: $3,400 (1395% 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 1395% of the Medicare baseline (a markup of 1295%). 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
Aetna	$122 - $5,893	50%
Blue Cross Blue Shield	$122 - $3,636	50%
Dean Health	$122 - $3,472	50%
Independent Care Health Plan	$122 - $251	50%
Quartz	$122 - $4,032	50%
UnitedHealthcare	$122 - $3,143	50%
Naphcare	$184 - $3,722	75%
Cook Children'S Health Plan (Cchp)	$251 - $3,102	103%
Humana	$251 - $4,653	103%
Managed Health Services	$251	103%
Molina Healthcare	$251	103%
Wellcare	$251	103%
The Alliance	$465 - $1,004	191%
Wps	$612 - $4,595	251%
Wea Trust	$2,656 - $3,412	1090%
Multiplan	$3,864 - $4,963	1585%
Health Eos	$4,298 - $5,645	1763%
Cigna	$4,443 - $5,893	1823%
Hfn	$4,443 - $5,893	1823%
Preferred Network Access	$4,443 - $5,893	1823%

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 $1,475.
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 Beloit Health System 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.