CMS Price Transparency Data

X-ray, neck (cervical spine)

Facility: St Lukes Regional Medical Center

Billing Code: 72040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72040
Insurance Median: $46
Cash Discount Price: $79
vs. Medicare Baseline: 0.52x Medicare

The contracted insurance negotiated median rate for a X-ray, neck (cervical spine) at St Lukes Regional Medical Center is $46. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $79. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 0.52x the Medicare baseline. Located in 2720 Stone Park Boulevard, Sioux City, IA.

Cash / Self-Pay

$79

Average discount available for prompt cash payment at this facility.

Insurance Median

$46

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: $79 (89%)

Insurance Median: $46 (52%)

Cash: $79 (89% of Medicare)

Ins. Median: $46 (52% 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
Nebraska Total Care	$9 - $62	10%
Aetna	$10 - $215	11%
Amerivantage	$10 - $90	11%
Blue Cross Blue Shield	$10 - $88	11%
Humana	$10 - $90	11%
Molina	$10 - $88	11%
UnitedHealthcare	$10 - $235	11%
Avera Health Plan	$15 - $155	17%
Wellmark Uph Self-Funded	$18 - $68	20%
Cigna	$21 - $150	24%
Health Partners Open Network	$22 - $131	25%
Amerigroup	$78	88%
Iowa Total Care	$78	88%
Medica Exchange Inspire	$123	138%
Medica Exchange Insure	$138	155%

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 $79.
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 St Lukes Regional Medical Center 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.