CMS Price Transparency Data

X-ray, neck (cervical spine)

Facility: Ascension Sacred Heart Bay

Billing Code: 72040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72040
Insurance Median: $91
Cash Discount Price: $282
vs. Medicare Baseline: 1.02x Medicare

The contracted insurance negotiated median rate for a X-ray, neck (cervical spine) at Ascension Sacred Heart Bay is $91. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $282. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 1.02x the Medicare baseline. Located in 615 N Bonita Ave, Panama City, FL.

Cash / Self-Pay

$282

Average discount available for prompt cash payment at this facility.

Insurance Median

$91

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: $282 (317%)

Insurance Median: $91 (102%)

Cash: $282 (317% of Medicare)

Ins. Median: $91 (102% 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.

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
Aetna	$85 - $91	96%
Blue Mcr Replacement	$88	99%
Facility Billing - Op	$88	99%
Medicare (plans)	$88	99%
Wellcare	$88	99%
Healthspring Mcr Replacement	$89 - $90	100%
UnitedHealthcare	$89 - $195	100%
Humana	$91	102%
Smarthealth	$124	139%
Encompass Health Rehabilitation	$133	150%
Oscar Health Plan	$141	159%
Ambetter / Centene	$146	164%
Occunet	$164 - $199	184%
Cigna	$387	435%

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 $282.
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 Ascension Sacred Heart Bay 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.