CMS Price Transparency Data

X-ray, neck (cervical spine)

Facility: Medical Center of the Rockies

Billing Code: 72040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72040
Insurance Median: $340
Cash Discount Price: $404
vs. Medicare Baseline: 3.82x Medicare

The contracted insurance negotiated median rate for a X-ray, neck (cervical spine) at Medical Center of the Rockies is $340. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $404. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 3.82x the Medicare baseline. Located in 2500 Rocky Mountain Ave, Loveland, CO.

Cash / Self-Pay

$404

Average discount available for prompt cash payment at this facility.

Insurance Median

$340

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$88.91

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $88.91 (100%)

Cash / Self-Pay: $404 (454%)

Insurance Median: $340 (382%)

Cash: $404 (454% of Medicare)

Ins. Median: $340 (382% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $88.91 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 382% of the Medicare baseline (a markup of 282%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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	$10 - $359	11%
Select Health	$87 - $246	98%
Aetna	$88 - $477	99%
Cigna	$88 - $442	99%
Cms	$88	99%
Devoted Health	$88	99%
Humana	$88	99%
Kaiser	$88	99%
UnitedHealthcare	$88 - $477	99%
Simplified Benefits Administration	$218 - $469	245%
First Health	$340	382%
Denver Health Medical Plan	$450	506%
Midlands Choice	$519	584%
Rocky Mountain Health Plans	$519	584%
Multiplan	$525	590%
Phcs	$525	590%
First Choice Of The Midwest	$560	630%

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 $404.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 72040.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Medical Center of the Rockies is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 72040.
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.