Cost of a Lower Back MRI Visit
in Montana
Reviewed by Momentary Medical Group West PC
Montana's rural geography creates unique challenges for medical imaging access, with many patients traveling significant distances for specialized services. Patients seeking a Lower Back MRI typically pay between $73 and $2,851, with a median negotiated rate of $368 based on transparency data from 350 active providers across the state. Montana residents can browse all available Lower Back MRI providers to compare costs and find convenient locations.
Average
$1,097
Median
$368
Lowest
$73
Highest
$2,851
Providers
350
187% above national average
Compare Similar Procedures
How does mri lumbar spine compare to related procedures in Montana?
| Procedure | CPT | Low | Median | High | Providers |
|---|---|---|---|---|---|
| MRI Brain MRI of the brain with and without contrast | 70553 | $100 | $552 | $590 | 91 |
| MRI Knee MRI of the knee without contrast | 73721 | $59 | $327 | $358 | 98 |
| CT Abdomen & Pelvis CT scan of abdomen and pelvis with contrast | 74177 | $79 | $621 | $1,834 | 333 |
| CT Chest CT scan of the chest with contrast | 71260 | $54 | $171 | $263 | 108 |
Important: These are cost estimates only — not a quote and not medical advice.
The prices on this page are self-pay rates, drawn from federal Transparency in Coverage machine-readable files (CPT 72148 — MRI lumbar spine without contrast). They represent what a patient might pay without insurance.
Your actual cost depends on: your specific insurance plan, your remaining deductible, your coinsurance percentage, whether you have met your out-of-pocket maximum, whether the facility and provider are both in-network, and any separate anesthesia or implant fees billed independently.
This page does not constitute medical advice. Whether you need this procedure, and which approach is right for you, is a decision to make with a licensed healthcare provider.
Where this data comes from & what CPT 72148 covers
Data source: Cost figures are derived from UnitedHealthcare Transparency in Coverage machine-readable files for CPT code 72148 (MRI lumbar spine without contrast), as mandated by the CMS Price Transparency Rule.
What CPT 72148 covers: the provider's professional fee for mri lumbar spine. It does not include facility/hospital fees, anesthesia, pre-operative imaging, post-operative care, or any add-on codes billed separately.
How to read this data
Negotiated Rate
The discounted price an insurer has agreed to pay a specific provider. Most insured patients' bills are calculated from this number, not the higher list price hospitals publish separately.
P5, Median, P95
P5 is the rate at the 5th percentile (low end), Median is the middle value, and P95 is the 95th percentile (high end). This range shows how much the same visit can vary between providers.
What this does not tell you
These rates do not tell you what you personally will pay out of pocket. That depends on your specific plan, how much of your deductible you have already met, your coinsurance rate, and whether the provider is in your network. Call your insurer's member line to get your exact estimate.
Why Lower Back MRI Visit Costs Vary Across Montana
Montana's healthcare costs run approximately 4% above national averages, reflecting the unique challenges of delivering medical services across vast rural distances. The state's frontier geography creates natural monopolies in many regions, limiting price competition between imaging providers.
Urban vs. Rural Provider Availability
Billings and Missoula concentrate most of Montana's advanced imaging capabilities, while rural counties often have limited or no local MRI services. Patients in frontier areas frequently travel 100+ miles for Lower Back MRI studies, adding transportation costs and time away from work. This geographic dispersion reduces competitive pricing pressure in rural markets.
Facility Type and Overhead Costs
Hospital-based outpatient imaging departments typically charge higher facility fees than independent radiology centers due to increased overhead and regulatory requirements. Major health systems like Billings Clinic and Providence St. Patrick Hospital operate most hospital-based imaging services, while smaller independent centers serve specific regional markets. Rural hospitals often struggle with lower patient volumes, leading to higher per-study costs.
Insurance Market Competition in Montana
Blue Cross Blue Shield of Montana holds significant market share, followed by PacificSource and UnitedHealthcare, creating limited insurer competition in many regions. This concentration allows insurers to negotiate aggressively with providers while offering fewer plan options to consumers. Rural areas often have even fewer insurer choices, reducing competitive pressure on negotiated rates.
Physician Supply and Demand in Montana
With 350 active Lower Back MRI providers serving Montana's population of just over one million residents, the state maintains reasonable radiologist availability in urban areas. However, this supply is heavily concentrated in larger cities, creating access challenges for rural patients. The relative abundance of providers in urban markets helps moderate pricing, while rural scarcity can drive costs higher.
Jayant Panwar
CEO, Momentary Labs · San Francisco, CA
Jayant has analyzed healthcare pricing data from CMS Transparency in Coverage files since 2022, covering more than 50 million negotiated rate records across all 50 states. His work focuses on making insurer machine-readable files accessible to patients and researchers.
The cost figures on this page reflect his ongoing work to make this data accessible to patients.
Frequently Asked Questions — Lower Back MRI Costs in Montana
What is the average cost of a Lower Back MRI visit in Montana without insurance?
Does Montana Medicaid cover Lower Back MRI visits?
How do I find an affordable Lower Back MRI near me in Montana?
What is the difference in cost between an initial consultation and a follow-up visit?
Can I use an HSA or FSA to pay for a Lower Back MRI visit in Montana?
How does telemedicine affect the cost of seeing a Lower Back MRI in Montana?
Click a state to compare costs
Average Visit Cost
Office visit (CPT 72148)
Compare With Other States
| Rank | State | Average↓ |
|---|---|---|
| 1 | Alaska Range: $73 – $2,851 | $1,925 |
| 2 | Montana Range: $73 – $2,851 | $1,097 |
| 3 | Washington Range: $65 – $2,851 | $1,095 |
| 4 | Idaho Range: $65 – $2,851 | $1,068 |
| 5 | North Dakota Range: $145 – $2,450 | $987 |
| 6 | Minnesota Range: $88 – $2,450 | $969 |
| 7 | Wisconsin Range: $73 – $1,477 | $577 |
| 8 | Georgia Range: $69 – $949 | $416 |
| 9 | Nevada Range: $102 – $750 | $400 |
| 10 | Hawaii Range: $85 – $577 | $373 |
| 11 | Louisiana Range: $60 – $702 | $372 |
| 12 | Massachusetts Range: $74 – $590 | $344 |
| 13 | Maine Range: $116 – $659 | $344 |
| 14 | New Mexico Range: $62 – $720 | $323 |
| 15 | Wyoming Range: $65 – $663 | $320 |
| 16 | Nebraska Range: $129 – $477 | $310 |
| 17 | Colorado Range: $65 – $663 | $305 |
| 18 | Oregon Range: $88 – $447 | $301 |
| 19 | Utah Range: $65 – $603 | $298 |
| 20 | South Dakota Range: $142 – $368 | $293 |
| 21 | West Virginia Range: $79 – $418 | $289 |
| 22 | New Hampshire Range: $85 – $579 | $288 |
| 23 | North Carolina Range: $72 – $572 | $285 |
| 24 | Iowa Range: $85 – $513 | $284 |
| 25 | Illinois Range: $76 – $553 | $271 |
| 26 | Indiana Range: $64 – $554 | $269 |
| 27 | Vermont Range: $63 – $583 | $267 |
| 28 | Rhode Island Range: $65 – $527 | $261 |
| 29 | District of Columbia Range: $59 – $527 | $259 |
| 30 | Michigan Range: $67 – $527 | $258 |
| 31 | Tennessee Range: $72 – $499 | $253 |
| 32 | Virginia Range: $49 – $553 | $253 |
| 33 | Kentucky Range: $64 – $516 | $249 |
| 34 | Kansas Range: $71 – $502 | $244 |
| 35 | New York Range: $53 – $529 | $243 |
| 36 | Pennsylvania Range: $55 – $527 | $238 |
| 37 | South Carolina Range: $63 – $465 | $229 |
| 38 | Alabama Range: $59 – $452 | $223 |
| 39 | Oklahoma Range: $61 – $473 | $222 |
| 40 | Texas Range: $65 – $447 | $220 |
| 41 | New Jersey Range: $52 – $459 | $218 |
| 42 | Missouri Range: $76 – $415 | $218 |
| 43 | Maryland Range: $29 – $447 | $217 |
| 44 | Ohio Range: $49 – $457 | $214 |
| 45 | California Range: $72 – $470 | $213 |
| 46 | Mississippi Range: $58 – $447 | $213 |
| 47 | Delaware Range: $66 – $363 | $211 |
| 48 | Connecticut Range: $55 – $456 | $206 |
| 49 | Arkansas Range: $72 – $380 | $205 |
| 50 | Florida Range: $35 – $473 | $189 |
| 51 | Arizona Range: $65 – $356 | $181 |