CMS Price Transparency Data

X-ray, neck (cervical spine)

Facility: HCA Florida Largo Hospital

Billing Code: 72040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72040
Insurance Median: $418
Cash Discount Price: $1,759
vs. Medicare Baseline: 4.70x Medicare

The contracted insurance negotiated median rate for a X-ray, neck (cervical spine) at HCA Florida Largo Hospital is $418. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,759. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 4.70x the Medicare baseline. Located in 201 14Th St Sw, Largo, FL.

Cash / Self-Pay

$1,759

Average discount available for prompt cash payment at this facility.

Insurance Median

$418

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: $1,759 (1978%)

Insurance Median: $418 (470%)

Cash: $1,759 (1978% of Medicare)

Ins. Median: $418 (470% 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 470% of the Medicare baseline (a markup of 370%). 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	$38 - $128	43%
Aetna	$56 - $814	63%
Access 2 Healthcare Physicians Freedom Health	$58 - $195	65%
Access 2 Healthcare Physicians Optimum	$58 - $195	65%
Freedom Health Care	$63 - $212	71%
Optimum Healthcare	$63 - $212	71%
Simply Healthcare	$124 - $418	139%
United	$132 - $1,221	148%
Molina	$153 - $733	172%
Avmed	$177 - $678	199%
Evolutions Healthcare Systems	$185 - $2,497	208%
Sunshine State Health Plan	$205 - $692	231%
Humana	$225 - $760	253%
Beacon Health Options	$403 - $1,357	453%
Plotkin Health	$403 - $1,357	453%
Prime Health Sheriff	$403 - $1,357	453%
Corvel Corporation	$422	475%
Rockport Healthcare Group	$422	475%
Prime Health	$431	485%
Multiplan	$604 - $2,307	679%
Evernorth	$644 - $2,171	724%
Emerging Therapy Solutions	$1,818	2045%
UnitedHealthcare	$2,714	3053%

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 $1,759.
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 Largo 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.