CMS Price Transparency Data

X-ray, lower back

Facility: HCA Florida Largo Hospital

Billing Code: 72110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72110
Insurance Median: $397
Cash Discount Price: $1,670
vs. Medicare Baseline: 3.72x Medicare

The contracted insurance negotiated median rate for a X-ray, lower back at HCA Florida Largo Hospital is $397. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,670. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 3.72x the Medicare baseline. Located in 201 14Th St Sw, Largo, FL.

Cash / Self-Pay

$1,670

Average discount available for prompt cash payment at this facility.

Insurance Median

$397

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: $1,670 (1564%)

Insurance Median: $397 (372%)

Cash: $1,670 (1564% of Medicare)

Ins. Median: $397 (372% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 372% of the Medicare baseline (a markup of 272%). 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
Access 2 Healthcare Physicians Freedom Optimum Group Members	$36 - $121	34%
Aetna	$53 - $773	50%
Access 2 Healthcare Physicians Freedom Health	$55 - $185	51%
Access 2 Healthcare Physicians Optimum	$55 - $185	51%
Freedom Health Care	$60 - $201	56%
Optimum Healthcare	$60 - $201	56%
Simply Healthcare	$118 - $397	110%
United	$125 - $1,159	117%
Molina	$145 - $696	136%
Avmed	$168 - $644	157%
Evolutions Healthcare Systems	$176 - $2,370	165%
Sunshine State Health Plan	$195 - $657	183%
Humana	$214 - $721	200%
Beacon Health Options	$382 - $1,288	358%
Plotkin Health	$382 - $1,288	358%
Prime Health Sheriff	$382 - $1,288	358%
Multiplan	$573 - $2,190	536%
Evernorth	$611 - $2,061	572%
Corvel Corporation	$786	736%
Rockport Healthcare Group	$786	736%
Prime Health	$802	751%
Emerging Therapy Solutions	$1,726	1616%
UnitedHealthcare	$2,576	2412%

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 $1,670.
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 HCA Florida Largo Hospital 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.