MRI Cost in Lakeland-Winter Haven, FL

An MRI scan uses a strong magnet and radio waves to produce detailed cross-sectional images, which a radiologist then reviews and turns into a written report. The hospital facility fee covers the scanner, the equipment, the technologists and the room, but not the physician's reading of the images. This page covers two billing codes: 70551, MRI Brain Without Contrast, and 72148, MRI Lumbar Spine Without Contrast. All figures come from the price transparency files that CMS requires hospitals to publish, covering 5 hospitals and 10 price rows in the Lakeland-Winter Haven area.

Data last accessed by us: 2026-10-15 · Newest hospital file date among hospitals below: 2026-04-01

Data may be outdated

This hospital's pricing file has not been updated since 12/31/2025 (288 days ago). Prices may not reflect current charges. Contact the hospital directly for current pricing.

Scope note: These are hospital facility fees only. Standalone imaging centers (not hospitals) often charge significantly less for outpatient imaging but are not covered by the CMS Hospital Price Transparency Rule, so they are not included in this data. We currently track only hospital-published prices.

MRI Brain Without Contrast (HCPCS 70551)

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Hospital	Gross Charge	Cash Price	Low Insured	High Insured
AdventHealth Heart of Florida *	$3,431.11	$3,431.11 *	$249.17	$715.19	Schedule →
AdventHealth Lake Wales *	$13,405	$13,405 *	$249.17	$715.19	Schedule →
Bartow Regional	$4,453	$2,671.80	$154.65	$4,453	Schedule →
Winter Haven Hospital	$4,453	$2,671.80	$154.65	$4,453	Schedule →
Lakeland Regional	$1,173	N/A	$1,058	$5,496	Schedule →

* Hospitals marked with * publish cash prices equal to their gross charges, meaning no separate self-pay discount appears in their transparency file. The insured rates shown are negotiated rates between the hospital and specific insurance plans. Uninsured patients may be able to negotiate lower rates by contacting the hospital directly.

MRI Lumbar Spine Without Contrast (HCPCS 72148)

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Hospital	Gross Charge	Cash Price	Low Insured	High Insured
AdventHealth Heart of Florida *	$3,434.06	$3,434.06 *	$249.17	$715.19	Schedule →
AdventHealth Lake Wales *	$14,823.93	$14,823.93 *	$249.17	$715.19	Schedule →
Bartow Regional	$4,185	$2,511	$154.65	$4,185	Schedule →
Winter Haven Hospital	$4,185	$2,511	$154.65	$4,185	Schedule →
Lakeland Regional	$6,164	$1,233	$1,058	$5,496	Schedule →

What These Prices Mean

Gross charge, cash price and insured range in this area
The gross charge is a hospital's list price before any discount. The cash price is what a self-pay patient is quoted, and the insured range shows the negotiated rates published for health plans. Here, gross charges run from $1,173 at Lakeland Regional Health Medical Center (70551) to $14,823.93 at AdventHealth Lake Wales (72148), about 13x apart. At Bartow Regional Medical Center and Winter Haven Hospital, cash is 60% of gross. At Lakeland Regional Health Medical Center, the 72148 cash price of $1,233 is 20% of gross. AdventHealth Heart of Florida and AdventHealth Lake Wales publish cash equal to gross, or 100%. People on a high-deductible plan who have not met the deductible usually pay the plan's negotiated rate rather than the cash price.

Brain and lumbar codes side by side
Code 70551 covers a brain MRI without contrast, and code 72148 covers a lumbar spine MRI without contrast. At AdventHealth Heart of Florida the gross charges are $3,431.11 for 70551 and $3,434.06 for 72148. At Bartow Regional Medical Center and Winter Haven Hospital, 70551 lists at $4,453 and 72148 at $4,185. At Lakeland Regional Health Medical Center, 70551 lists at $1,173 and 72148 at $6,164, a reversal of the usual pattern.

Why MRI Prices Vary

Gross, cash and discount policies by hospital
The three health systems on this page publish quite different structures. AdventHealth's two hospitals list cash equal to gross, from $3,431.11 at AdventHealth Heart of Florida to $14,823.93 at AdventHealth Lake Wales. BayCare Health System's Bartow Regional Medical Center and Winter Haven Hospital each publish a 60% cash price, $2,671.80 for 70551 and $2,511 for 72148. Lakeland Regional Health Medical Center publishes $1,233 for 72148 and no cash price for 70551, which is missing data rather than a real price. Excluding hospitals where cash equals gross, cash prices run from $1,233 to $2,671.80, with the highest about 2x the lowest.

Other facilities and plan-to-plan variation
Outpatient imaging centers and other facilities outside this dataset may price MRI scans differently from the 5 hospitals shown here. The insurer data also varies. At Lakeland Regional Health Medical Center, 99 published rates for 70551 run from $1,058 for Good Shepherd to $5,496 for BCBS Traditional, about 5x apart. Across the page, insured rates range from $154.65 at Bartow Regional Medical Center to $5,496.

Paying cash? Health insurance could lower your MRI cost.

Published cash prices on this page range from $1,233 to $14,823.93 (including hospitals that publish cash equal to gross charge, marked with * in the table). The lowest insured rate in the price table is $154.65 (Bartow Regional Medical Center). Insured rates depend on the plan, and the lowest are often Medicaid, CHIP or Medicare Advantage plans, so they may not reflect what a commercial or marketplace plan pays. If you are uninsured, a marketplace health plan could reduce your out-of-pocket cost for this procedure.

Compare Health Insurance Plans → Get Free Plan Estimate →

Links go to Healthcare.gov, the official federal health insurance marketplace. We are not affiliated with Healthcare.gov or any insurance provider. This is not a recommendation for any specific plan.

Compare Insurer Rates for MRI in Lakeland-Winter Haven

How much does each insurance company pay for mri at Lakeland-Winter Haven hospitals?

Insurer	Lowest Rate	At Hospital	Highest Rate	Hospitals
UnitedHealthcare	$156.19	Bartow Regional Medical Center	$487.85	4
Aetna	$156.98	Bartow Regional Medical Center	$662.59	4
Freedom Health	$160.78	Bartow Regional Medical Center	$261.63	4
Simply Healthcare	$160.78	Bartow Regional Medical Center	$264.12	4
Florida Blue	$242.63	Bartow Regional Medical Center	$5,496	5
Cigna	$266.61	AdventHealth Lake Wales	$715.19	4

Rates shown are the lowest and highest negotiated rates each insurer has published across Lakeland-Winter Haven hospitals for this procedure. Your actual cost depends on your plan's deductible, copay, and coinsurance.

What Insurers Actually Pay

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Published negotiated rates for MRI Brain Without Contrast (HCPCS 70551) at Lakeland Regional, outpatient facility fee:

MRI Brain Without Contrast (70551), Lakeland Regional Payer Rates

Insurance Payer	Plan Type	Negotiated Rate
Good Shepherd	IP	$1,058
Good Shepherd	IP	$1,058
Good Shepherd	IP	$1,058
Good Shepherd	IP	$1,058
Good Shepherd	IP	$1,058
Good Shepherd	IP	$1,058
Good Shepherd	IP	$1,058
Good Shepherd	IP	$1,058
Good Shepherd	IP	$1,058
Good Shepherd	IP	$1,058
Good Shepherd	IP	$1,058
Good Shepherd	IP	$1,058
Good Shepherd	IP	$1,058
Good Shepherd	IP	$1,058
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS My Blue	OP	$3,672
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS Blue Select	OP	$3,902
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS HMO	OP	$4,592
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS PPO	OP	$5,244
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496
BCBS Traditional	OP	$5,496

Key finding: At Lakeland Regional Health Medical Center, published rates for the brain MRI (70551) run from $1,058 for Good Shepherd to $5,496 for BCBS Traditional, about 5x apart.

What to Do With These MRI Prices

Quote the exact code, not just "an MRI." This page covers 70551 (brain) and 72148 (lumbar spine), both listed without contrast. Ask the ordering office for the exact CPT code first, and whether the order is with or without contrast, because contrast changes the code and the price. Then ask the hospital for its cash price and an itemized estimate for that code.

Compare cash to the insured range at the same hospital. At AdventHealth Heart of Florida, the cash price for 70551 is $3,431.11, while insured rates there run up to $715.19. Cash can sit above every insured rate, and that happens in 4 of the 10 rows here. At Lakeland Regional Health Medical Center, the cash price for 72148 is $1,233. Two of the 5 hospitals, AdventHealth Heart of Florida and AdventHealth Lake Wales, publish cash equal to the gross charge, so ask whether any lower price exists.

Read the bill for what it leaves out. The figures here are the hospital's technical (facility) charge only. The radiologist who reads your images usually sends a separate professional bill, and other separate bills can follow. Ask whether the quote includes the reading. Hospital outpatient departments are in this data, but freestanding imaging centers are not, and they may price differently.

Gaps on this page. Lakeland Regional Health Medical Center shows no cash price for 70551. That means not published, not free. Ask the billing office directly.

Financial assistance and discounts. Nonprofit hospitals are required to publish a financial assistance policy, and the billing office can send it with an application. Some hospitals also offer prompt-pay or self-pay discounts; these vary by hospital and are not included in this data. If you are uninsured or not using insurance for scheduled care, you can ask the provider for a good faith estimate before the appointment.

General information about using published prices, not medical, legal or financial advice. Confirm your own cost with the hospital and your insurer. Our methodology · Medical Disclaimer

What Patients Ask About MRI Costs

How much does a mri cost without insurance in Lakeland-Winter Haven?

Among published cash prices in Lakeland-Winter Haven, MRI facility charges run from $1,233 at Lakeland Regional Health Medical Center (72148) to $14,823.93 at AdventHealth Lake Wales (72148). Bartow Regional Medical Center and Winter Haven Hospital publish $2,671.80 for 70551 and $2,511 for 72148. AdventHealth Heart of Florida and AdventHealth Lake Wales publish cash equal to their gross charges. Lakeland Regional Health Medical Center has no published cash price for 70551, so that is missing data. These amounts are facility charges only; the radiologist's professional fee is billed separately.

Why is the gross charge so much higher than the cash price?

The gross charge is a hospital's undiscounted list price, and few patients are billed that amount directly. Cash prices are often a percentage of it. At Bartow Regional Medical Center and Winter Haven Hospital, cash is 60% of gross. At Lakeland Regional Health Medical Center, the 72148 cash price of $1,233 is 20% of the $6,164 gross charge. Two hospitals, AdventHealth Heart of Florida and AdventHealth Lake Wales, publish cash equal to gross, or 100%, with no self-pay discount in the file. Gross charges on this page run from $1,173 to $14,823.93, about 13x apart.

Does insurance cover a mri?

Whether insurance applies to an MRI depends on the specific plan, so the plan's own documents and the insurer are the places to check. The hospital files here show negotiated rates for insured patients. They range from $154.65 at Bartow Regional Medical Center to $5,496 at Lakeland Regional Health Medical Center. AdventHealth Heart of Florida and AdventHealth Lake Wales list $249.17 to $715.19. People on a high-deductible plan who have not met the deductible usually pay the negotiated rate until it is met. In 4 price rows, the cash price is above every insured rate at that hospital.

Are there additional fees beyond the mri facility charge?

The facility charge on this page is only one part of the total bill. A radiologist usually bills separately for reading the images and writing the report. If the scan is done with an ordering physician's visit, that visit may carry its own charge. Some scans also involve a separate anesthesia or sedation bill, or a separate bill for contrast materials where they are used, though the codes here are listed without contrast. Imaging done in a hospital outpatient department may generate separate facility and professional statements. An itemized bill shows each of these charges individually.

What is the highest published MRI price in Winter Haven and Lakeland, and where is it?

On this page the highest published price is $14,823.93 for MRI Lumbar Spine Without Contrast (72148) at AdventHealth Lake Wales, listed as both gross charge and cash price. That is a facility charge only. AdventHealth Lake Wales is in the Lake Wales area, and its cash price equals its gross charge, so no self-pay discount is published.

What is the self-pay price for an MRI at Winter Haven Hospital?

Winter Haven Hospital publishes a cash price of $2,671.80 for MRI Brain Without Contrast (70551) and $2,511 for MRI Lumbar Spine Without Contrast (72148). Both are 60% of the gross charges, which are $4,453 and $4,185. These are facility charges only and do not include other billed services.

What does Florida Blue pay for an MRI in the Lakeland area?

Florida Blue's published rates on this page run from $242.63 at Bartow Regional Medical Center to $5,496 at Lakeland Regional Health Medical Center, with a median of $3,902 across 5 hospitals. The highest is about 23x the lowest. These are facility charges only, and rates vary by plan.

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Data Sources

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Heads up: source files are large

Hospital CMS transparency files typically range from tens of megabytes to several hundred megabytes. Clicking a link below will open the file in a new tab and may trigger a large download, which can consume mobile data or slow down older devices. These files are intended for data processing, not casual viewing.

AdventHealth Heart of Florida

File updated: 2026-04-01 · Accessed by us: 2026-10-15

Attested by: Tim Reiner

We are not affiliated with AdventHealth Heart of Florida. Published prices may not reflect your actual cost. Disclaimer

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