CMS Price Transparency Data

X-ray, neck (cervical spine)

Facility: HCA Florida Gulf Coast Hospital

Billing Code: 72040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72040
Insurance Median: $1,054
Cash Discount Price: $2,774
vs. Medicare Baseline: 11.85x Medicare

The contracted insurance negotiated median rate for a X-ray, neck (cervical spine) at HCA Florida Gulf Coast Hospital is $1,054. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,774. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 11.85x the Medicare baseline. Located in 449 W 23Rd St, Panama City, FL.

Cash / Self-Pay

$2,774

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,054

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: $2,774 (3120%)

Insurance Median: $1,054 (1185%)

Cash: $2,774 (3120% of Medicare)

Ins. Median: $1,054 (1185% 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 1185% of the Medicare baseline (a markup of 1085%). 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 - $1,268	205%
Corvel Corporation	$387	435%
Prime Health	$395	444%
Careworks (Rockport Community)	$408	459%
Simply	$421 - $434	474%
Molina Healthcare	$519 - $901	584%
Avmed	$655 - $1,408	737%
Sunshine State Health Plan	$696 - $718	783%
Aetna	$819 - $845	921%
Humana	$1,038 - $1,070	1167%
Plotkin Health	$1,366 - $1,408	1536%
Prime Health Sheriff	$1,366 - $1,408	1536%
Multiplan	$2,130 - $2,394	2396%
Ppo Next	$2,321 - $2,394	2611%
Novanet	$2,458 - $2,535	2765%

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 $2,774.
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 Gulf Coast 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.