CMS Price Transparency Data

CT scan, lower back (lumbar spine)

Facility: Shenandoah Medical Center

Billing Code: 72131 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72131
Insurance Median: $694
Cash Discount Price: $1,340
vs. Medicare Baseline: 6.50x Medicare

The contracted insurance negotiated median rate for a CT scan, lower back (lumbar spine) at Shenandoah Medical Center is $694. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,340. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 6.50x the Medicare baseline. Located in 300 Pershing Avenue, Shenandoah, IA.

Cash / Self-Pay

$1,340

Average discount available for prompt cash payment at this facility.

Insurance Median

$694

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: $1,340 (1255%)

Insurance Median: $694 (650%)

Cash: $1,340 (1255% of Medicare)

Ins. Median: $694 (650% 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 650% of the Medicare baseline (a markup of 550%). 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
UnitedHealthcare	$107 - $2,020	100%
Blue Cross Blue Shield	$162	152%
Home State Health Plan Mcaid-All Plans	$680	637%
Molina Mcd	$680	637%
Nebraska Total Care Mcaid-All Plans	$680	637%
Iowa Total Care Mcaid-All Plans	$687	643%
Amerigroup Mcaid-All Plans	$694	650%
Triwest Wellmark - All Plans	$694	650%
Aetna	$701 - $1,979	656%
Molina Mcr - All Other Plans	$701	656%
Tricare	$701	656%
Wellcare Mcr Adv - All Plans	$701	656%
Midlands Choice-All Plans	$1,917	1795%

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 $1,340.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 72131.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Shenandoah Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 72131.
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.