CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Mount Desert Island Hospital

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $420
Cash Discount Price: $539
vs. Medicare Baseline: 1.72x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Mount Desert Island Hospital is $420. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $539. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 1.72x the Medicare baseline. Located in 10 Wayman Lane, Bar Harbor, ME.

Cash / Self-Pay

$539

Average discount available for prompt cash payment at this facility.

Insurance Median

$420

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: $539 (221%)

Insurance Median: $420 (172%)

Cash: $539 (221% of Medicare)

Ins. Median: $420 (172% 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
UnitedHealthcare	$201 - $1,402	82%
Martins Point	$201 - $1,051	82%
Cigna	$201 - $2,172	82%
Wellcare	$201 - $1,051	82%
Aetna	$201 - $2,137	82%
Blue Cross Blue Shield	$201 - $1,817	82%
Healthnet	$291 - $1,518	119%
Community Health Options	$380 - $1,986	156%
Harvard Pilgrim	$405 - $2,114	166%
First Health	$425 - $2,219	174%

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 $539.
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 Mount Desert Island 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.