CMS Price Transparency Data

X-ray, neck (cervical spine)

Facility: HCA Florida Fort Walton-Destin Hospital

Billing Code: 72040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72040
Insurance Median: $1,435
Cash Discount Price: $3,357
vs. Medicare Baseline: 16.14x Medicare

The contracted insurance negotiated median rate for a X-ray, neck (cervical spine) at HCA Florida Fort Walton-Destin Hospital is $1,435. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,357. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 16.14x the Medicare baseline. Located in 1000 Mar-Walt Dr, Fort Walton Beach, FL.

Cash / Self-Pay

$3,357

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,435

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: $3,357 (3776%)

Insurance Median: $1,435 (1614%)

Cash: $3,357 (3776% of Medicare)

Ins. Median: $1,435 (1614% 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 1614% of the Medicare baseline (a markup of 1514%). 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
United	$182 - $1,826	205%
Simply	$409 - $625	460%
Corvel Corporation	$420	472%
Prime Health	$429	483%
Careworks (Rockport Community)	$442	497%
Molina Healthcare	$505 - $1,298	568%
Avmed	$637 - $2,028	716%
Sunshine State Health Plan	$677 - $1,035	761%
Aetna	$797 - $1,217	896%
Humana	$1,009 - $1,542	1135%
Plotkin Health	$1,328 - $2,028	1494%
Prime Health Sheriff	$1,328 - $2,028	1494%
Evolutions Healthcare	$1,726 - $3,651	1941%
Naphcare	$1,726 - $2,637	1941%
Multiplan	$2,072 - $3,448	2330%
Evernorth	$2,125 - $3,246	2390%
Ppo Next	$2,258 - $3,448	2540%
Novanet	$2,391 - $3,651	2689%
Beacon Health Options	$2,656 - $4,057	2987%

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 $3,357.
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 HCA Florida Fort Walton-Destin Hospital 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.