CMS Price Transparency Data

X-ray, lower back

Facility: Banner - University Medical Center Phoenix

Billing Code: 72110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72110
Insurance Median: $153
Cash Discount Price: $142
vs. Medicare Baseline: 1.43x Medicare

The contracted insurance negotiated median rate for a X-ray, lower back at Banner - University Medical Center Phoenix is $153. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $142. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 1.43x the Medicare baseline. Located in 1111 East McDowell Road, Phoenix, AZ.

Cash / Self-Pay

$142

Average discount available for prompt cash payment at this facility.

Insurance Median

$153

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$106.81

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $106.81 (100%)

Cash / Self-Pay: $142 (133%)

Insurance Median: $153 (143%)

Cash: $142 (133% of Medicare)

Ins. Median: $153 (143% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $106.81 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
Blue Cross Blue Shield	$62 - $212	58%
Arizona Physicians Ipa	$79 - $113	74%
Banner University Health Plan	$79 - $113	74%
Health Choice Arizona, Inc.	$79 - $170	74%
Health Net	$79 - $168	74%
Mercy Care	$79 - $113	74%
Aetna	$113 - $290	106%
Banner Health	$113	106%
Care 1St	$113	106%
Cigna	$113 - $346	106%
Gila River Health Care Corporation	$113	106%
Kaiser Foundation Health Plan	$113	106%
Triwest Healthcare Alliance Corp - Va Ccn	$113	106%
UnitedHealthcare	$113 - $552	106%
Upmc Health Plan	$113	106%
Wellpoint	$113	106%
Humana	$117	110%
Carelon	$119	111%
Devoted Health Services	$119	111%
Arizona Priority Care	$125	117%
Gold Kidney Health Plan	$125	117%
Naphcare	$153	143%
Oscar Health Plan	$187	175%
National Healthcare Solutions Inc (Nhsi) And Vip Universal Medical Insurance Group (Vumi)	$226	212%
Plotkin Health	$226	212%
Quiktrip Corporation	$272	255%
Arizona Medical Network	$352	330%
Provider Network Of America	$377	353%

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 $142.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 72110.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Banner - University Medical Center Phoenix is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 72110.
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.