MRI Cost in Naples, FL
A magnetic resonance imaging (MRI) scan uses a strong magnetic field and radio waves to produce detailed cross-sectional images of internal body structures, with no ionizing radiation involved. The person lies on a table that slides into a tube-shaped scanner while images are captured over a period of time. This page covers two billing codes: HCPCS 70551 (MRI Brain Without Contrast) and HCPCS 72148 (MRI Lumbar Spine Without Contrast). The facility fee covers the scanner, the room, and the technologists and support staff. Prices below come from CMS-mandated hospital price transparency files published by Naples-area hospitals.
Data last accessed by us: 2026-10-15 · Newest hospital file date among hospitals below: 2026-07-01
Data may be outdated
This hospital's pricing file has not been updated since 2026-04-01 (197 days ago). Prices may not reflect current charges. Contact the hospital directly for current pricing.
MRI Brain Without Contrast (HCPCS 70551)
Hide Show
| Hospital | Cash Price | |
|---|---|---|
| NCH Baker Hospital | $1,466 | Schedule → |
| Physicians Regional Collier | $953.39 | Schedule → |
| Physicians Regional Pine Ridge | $1,112.29 | Schedule → |
MRI Lumbar Spine Without Contrast (HCPCS 72148)
Hide Show
| Hospital | Cash Price | |
|---|---|---|
| NCH Baker Hospital | $4,190.40 | Schedule → |
| Physicians Regional Collier | $1,116.95 | Schedule → |
| Physicians Regional Pine Ridge | $1,303.10 | Schedule → |
What These Prices Mean
The gross charge is the hospital's full list price, also called the chargemaster rate. At Physicians Regional Collier, the gross charge for the brain MRI (70551) is $5,296.62, while the cash price is $953.39, or 18% of gross. At NCH Baker Hospital, the gross charge for the same code is $3,665 and the cash price is $1,466, or 40% of gross. NCH Baker's discount is smaller in percentage terms, yet its cash price is higher. The insured range reflects negotiated rates between hospitals and payers: $153.12 to $3,516.96 at Physicians Regional, and $249.17 to $560.63 at NCH Baker. Patients on high-deductible health plans who have not yet met their deductible owe the negotiated rate, not the gross charge.
Code variations
Code 70551 images the brain; code 72148 images the lumbar spine. Both are performed without contrast dye. The lumbar spine scan carries higher prices at every location. At Physicians Regional Collier, the cash price is $1,116.95 versus $953.39, a difference of $163.56. At Pine Ridge, it is $1,303.10 versus $1,112.29, a difference of $190.81. At NCH Baker, it is $4,190.40 versus $1,466, a difference of $2,724.40.
Why MRI Prices Vary
Gross charges differ widely. For the brain MRI, NCH Baker's gross charge of $3,665 is lower than the $5,296.62 listed at both Physicians Regional campuses. For the lumbar spine MRI, the order reverses: NCH Baker lists $10,476 against $6,205.25 at Physicians Regional. The gap narrows or flips once discounts apply. Physicians Regional campuses offer cash prices at about 18% (Collier) and 21% (Pine Ridge) of gross, while NCH Baker's cash price is about 40% of gross. As a result, the brain MRI cash price is $953.39 at Collier and $1,466 at NCH Baker, a difference of $512.61. Each hospital sets its own discount policy, so the same code can carry very different cash prices.
Facility type and alternatives
All three locations in this dataset are hospital-based facilities. Hospitals carry overhead for emergency services, inpatient units, and round-the-clock staffing, which can be reflected in facility fees. Outpatient imaging centers and freestanding facilities, which are not part of this dataset, may charge differently. Across the six prices listed here, cash prices run from $953.39 to $4,190.40.
Paying cash? Health insurance could lower your MRI cost.
Published cash prices on this page range from $953.39 to $4,190.40. The lowest insured rate in the price table is $153.12 (Physicians Regional Medical Center - Collier Boulevard). 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.
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.
What Insurers Actually Pay
Hide Show
Published negotiated rates for MRI Brain Without Contrast (HCPCS 70551) at Physicians Regional Collier, outpatient facility fee:
MRI Brain Without Contrast (70551), Physicians Regional Collier Payer Rates
| Insurance Payer | Plan Type | Negotiated Rate |
|---|---|---|
| Childrens Medical Services Medicaid | Childrens Medical Services Medicaid | $153.12 |
| Florida Medicaid | FL Medicaid | $153.12 |
| Florida Medicaid Non Par | FL Medicaid Non-Par | $153.12 |
| Ped-I-Care Medicaid FL | Ped-I-Care Medicaid FL | $153.12 |
| Childrens Medical Services | S FL Community Care Network Medicaid FL | $153.12 |
| United Healthcare | UHC Medicaid FL | $153.12 |
| Humana | Humana Medicaid FL | $157.71 |
| Integral Health | Integral Health Medicaid FL | $160.78 |
| Wellcare | Wellcare Medicaid FL | $160.78 |
| Simply Healthcare Plan | Simply Healthcare Plan | $162.31 |
| Magellan | Magellan Medicaid FL | $164.60 |
| Amerigroup | Amerigroup Medicaid FL | $166.90 |
| SUNSHINE HEALTH MEDICAID FL | SUNSHINE HEALTH MEDICAID FL | $168.43 |
| Prestige Health | Prestige Medicaid FL | $177.62 |
| Veterans Eval Services | Veterans Eval Services | $227.81 |
| NODE Tricare | NODE Tricare | $236.71 |
| Aetna MCR ADV | NODE Aetna MCR ADV | $245.18 |
| Blue Cross Blue Shield | NODE BCBS FL MCR ADV | $245.18 |
| Humana MCR ADV | NODE Humana MCR ADV | $245.18 |
| NODE Medicare Non Par | NODE Medicare Non Par | $245.18 |
| NODE Medicare Traditional | NODE Medicare Traditional | $245.18 |
| United Healthcare | NODE UHC MCR ADV | $245.18 |
| NODE ChampVA | NODE ChampVA | $249.17 |
| NODE Non Par Hospice Agree | NODE Hospice Non Par | $249.17 |
| NODE United Optum VA CCN | NODE United Optum VA CCN | $249.17 |
| NODE VA | NODE VA | $249.17 |
| NODE Freedom Optimum MCR ADV | NODE Freedom Optimum MCR ADV | $252.54 |
| NODE Wellcare MCR ADV | NODE Wellcare MCR ADV | $256.65 |
| NODE US Dept of Labor | NODE US Dept of Labor | $311.46 |
| Occunet | OccuNet Work Comp FL | $377.10 |
| Prime Health Work Comp FL | Prime Health Work Comp FL | $406.43 |
| Rockport | Rockport Work Comp FL | $406.43 |
| Florida Workers Compensation | FL Work Comp | $419 |
| Florida State Auto Insurance | State Auto Insurance FL | $498.34 |
| SUNSHINE HEALTH AMBETTER MARKETPLACE | Sunshine State Health Plan Commercial Exchange | $635.38 |
| Cigna Healthcare | Cigna ALL | $890.77 |
| Self Pay | Self Pay | $953.39 |
| Self Pay | Self Pay | $1,271.19 |
| CHS Group Health Plan UMR | CHS Group Health Plan UMR | $1,281.78 |
| CHS Group Health Plan UMR | CHS Group Health Plan UMR | $1,281.78 |
| Community Health Partners | Community Health Partners | $1,283.23 |
| Occunet | OccuNet | $1,350 |
| United Healthcare | UHC NHP | $1,362 |
| Blue Cross Blue Shield | BCBS FL MBN | $1,425 |
| Blue Cross Blue Shield | BCBS FL SBN | $1,457 |
| Blue Cross Blue Shield | BCBS FL HMO | $1,534 |
| United Healthcare | UHC APA | $1,566 |
| Simply Healthcare | NODE Simply MCR ADV | $1,641.95 |
| Blue Cross Blue Shield | BCBS FL BSL | $1,686 |
| Aetna | Aetna ASA | $1,929 |
| Aetna | Aetna | $1,968 |
| AvMed | AvMed | $2,012.72 |
| AvMed | AvMed | $2,012.72 |
| Blue Cross Blue Shield | BCBS FL NWB | $2,053 |
| Blue Cross Blue Shield | BCBS FL PPO | $2,053 |
| Blue Cross Blue Shield | BCBS FL PHS | $2,766 |
| Aetna | Aetna INTL Passport | $2,907.84 |
| Aetna | Aetna INTL Passport | $2,907.84 |
| Aetna | Aetna First Health | $3,516.96 |
| Aetna | Aetna First Health | $3,516.96 |
Key finding: Aetna holds both the highest rate ($3,516.96 for Aetna First Health) and a lower-tier rate ($2,907.84 for Aetna INTL Passport) on brain MRI, while Florida Medicaid plans pay $153.12.
What to Do With These MRI Prices
Quote the CPT code, not just "an MRI." This page lists 70551 (brain, without contrast) and 72148 (lumbar spine, without contrast). Ask the ordering office for the exact code first, and whether the order is with or without contrast, since contrast changes the code and the price. Then ask the hospital for its cash price and an itemized estimate under that code.
Set the quote against the rows here. At NCH Baker Hospital (Naples Community Hospital), the brain MRI cash price is $1,466, while insured rates run only up to $560.63. If a cash quote lands above the insured range at the same hospital, you can ask whether your insurer's negotiated rate would be lower. Physicians Regional Medical Center - Collier Boulevard lists a brain MRI cash price of $953.39 against insured rates up to $3,516.96, so the cash and insured figures can sit very differently from one hospital to the next.
Expect more than one bill. The figures here are the hospital's technical (facility) charge only. The radiologist who reads your images bills separately. On your statement, check that:
- the facility fee matches the code you were quoted
- the radiologist's professional fee appears as its own line or its own bill
- the contrast status on the bill matches the order
Know what this page does not cover. Every row here has a published cash price and gross charge, so nothing on this page is missing. Still, a $0 or blank price on any hospital's own file would mean missing data, not a free scan. Outpatient and freestanding imaging centers are not in this dataset and may price differently, so a quote from one of those is not directly comparable to these rows.
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 Naples?
Cash prices for an MRI without insurance in Naples vary by hospital and code. For the brain MRI (70551): $953.39 at Physicians Regional Collier, $1,112.29 at Physicians Regional Pine Ridge, and $1,466 at NCH Baker. For the lumbar spine MRI (72148): $1,116.95 at Collier, $1,303.10 at Pine Ridge, and $4,190.40 at NCH Baker. The overall range is $953.39 to $4,190.40. The lumbar spine scan costs more than the brain scan at every hospital listed. These figures are facility fees only, covering the room, equipment, and staff. Physician and professional fees are billed separately.
Why is the gross charge so much higher than the cash price?
The gross charge, or chargemaster price, is a hospital's full list price before any discounts. Almost no one pays it. At Physicians Regional, cash prices are about 18% of gross at Collier and 21% at Pine Ridge. At NCH Baker, cash prices are about 40% of gross. For the brain MRI, NCH Baker's smaller discount still yields a higher cash price ($1,466) than Collier ($953.39), because the starting points and discount policies differ. Insurers negotiate their own rates, which sit well below gross charges in most cases.
Does insurance cover a mri?
Coverage depends on the specific plan and on whether the plan deems the scan medically necessary. Negotiated rates vary widely: for the brain MRI, payer rates range from $153.12 to $3,516.96 at Physicians Regional, and from $249.17 to $560.63 at NCH Baker. Non-emergency MRIs often require prior authorization from the insurer, so a plan may need to approve the scan before it is performed. If you are on a high-deductible plan and have not met your deductible, you owe the negotiated rate for your plan, not the gross charge, until the deductible is satisfied.
Are there additional fees beyond the mri facility charge?
Yes. The prices listed here are facility fees, which cover the scanner, room, and technologists. A radiologist's fee for reading and interpreting the images is billed separately by the physician or radiology group. If a ministry or physician group handles billing, those charges arrive on a separate statement. An MRI performed in the emergency department also incurs a separate emergency department facility fee. Dollar amounts for professional and emergency department fees are not included in the hospital price files used for this page, so they are not listed here.
What is the cash price for an MRI brain at Physicians Regional Medical Center - Collier Boulevard?
The published cash price for MRI Brain Without Contrast (70551) at Physicians Regional Medical Center - Collier Boulevard is $953.39, which is 18% of its $5,296.62 gross charge. This is a facility charge only and does not include other fees such as a separate physician reading.
What are the lowest and highest MRI cash prices in Naples, FL?
Among the 3 Naples hospitals on this page, cash prices run from $953.39 at Physicians Regional Medical Center - Collier Boulevard (70551) to $4,190.40 at NCH Baker Hospital (Naples Community Hospital) (72148). The highest is about 4x the lowest. All figures are facility charges only.
How much is an MRI lumbar spine at NCH Baker Hospital in Naples?
NCH Baker Hospital (Naples Community Hospital) lists MRI Lumbar Spine Without Contrast (72148) with a gross charge of $10,476 and a cash price of $4,190.40, which is 40% of gross. Insured rates there run from $249.17 to $560.63. These are facility charges only.
What are Aetna's MRI rates in Naples, FL?
Aetna's published rates on this page run from $245.18 at Physicians Regional Medical Center - Collier Boulevard to $498.33 at NCH Baker Hospital (Naples Community Hospital), across 3 hospitals. The highest is about 2x the lowest. The median is $2,536.42. These are facility charges only.
What is the difference between CPT codes 70551 and 72148?
Code 70551 is MRI Brain Without Contrast and 72148 is MRI Lumbar Spine Without Contrast. At Physicians Regional Medical Center - Pine Ridge, the cash price is $1,112.29 for 70551 and $1,303.10 for 72148. Both figures are facility charges only, and data is shown for both codes at all 3 hospitals.
Compare Other Procedures in Naples
Data Sources
Hide Show
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.
NCH Baker Hospital (Naples Community Hospital)
File updated: 2026-07-01 · Accessed by us: 2026-10-15
Attested by: Noble Arrington
We are not affiliated with NCH Baker Hospital (Naples Community Hospital). Published prices may not reflect your actual cost. Disclaimer
⚠ Large file, opens in new tab
Physicians Regional Medical Center - Collier Boulevard
File updated: 2026-04-01 · Accessed by us: 2026-10-15
Attested by: Scott Lowe
We are not affiliated with Physicians Regional Medical Center - Collier Boulevard. Published prices may not reflect your actual cost. Disclaimer
⚠ Large file, opens in new tab
Physicians Regional Medical Center - Pine Ridge
File updated: 2026-04-01 · Accessed by us: 2026-10-15
Attested by: Scott Lowe
We are not affiliated with Physicians Regional Medical Center - Pine Ridge. Published prices may not reflect your actual cost. Disclaimer
⚠ Large file, opens in new tab