CMS Price Transparency Data

X-ray, lower back

Facility: Adventist Health Howard Memorial

Billing Code: 72110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72110
Insurance Median: $41
Cash Discount Price: $228
vs. Medicare Baseline: 0.38x Medicare

The contracted insurance negotiated median rate for a X-ray, lower back at Adventist Health Howard Memorial is $41. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $228. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 0.38x the Medicare baseline. Located in 1 Marcela Dr, Willits, CA.

Cash / Self-Pay

$228

Average discount available for prompt cash payment at this facility.

Insurance Median

$41

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: $228 (213%)

Insurance Median: $41 (38%)

Cash: $228 (213% of Medicare)

Ins. Median: $41 (38% 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 Shield Mcare	$10 - $293	9%
Medicare (plans)	$10 - $296	9%
Tricare	$10 - $293	9%
UnitedHealthcare	$11 - $1,135	10%
Ah Employee Health Plan - All Plans	$14 - $763	13%
Cigna	$18 - $1,247	17%
Healthnet - All Plans	$19 - $1,203	18%
Western Growers/Pinnacle - All Plans	$20 - $1,100	19%
Blue Shield - All Other Plans	$22 - $1,005	21%
Aetna	$34 - $984	32%
Blue Shield Epn	$34 - $1,003	32%
First Health Ppo - All Plans	$40 - $1,174	37%
Ghn Ppo - All Plans	$40 - $1,174	37%
Brms - All Plans	$42 - $1,247	39%
Medi-Cal	$44 - $63	41%
Blue Cross Blue Shield	$260 - $313	243%

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 $228.
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 Adventist Health Howard Memorial 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.