CMS Price Transparency Data

CT scan, lower back (lumbar spine)

Facility: Northwestern Medicine McHenry

Billing Code: 72131 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72131
Insurance Median: $2,258
Cash Discount Price: $3,084
vs. Medicare Baseline: 21.14x Medicare

The contracted insurance negotiated median rate for a CT scan, lower back (lumbar spine) at Northwestern Medicine McHenry is $2,258. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,084. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 21.14x the Medicare baseline. Located in 4201 Medical Center Drive, McHenry, IL.

Cash / Self-Pay

$3,084

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,258

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: $3,084 (2887%)

Insurance Median: $2,258 (2114%)

Cash: $3,084 (2887% of Medicare)

Ins. Median: $2,258 (2114% 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 2114% of the Medicare baseline (a markup of 2014%). 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
Aetna	$850 - $2,313	796%
Mercy Care Health Plans [5013]	$1,337	1252%
Blue Cross Blue Shield	$1,493 - $4,405	1398%
Healthlink [125]	$2,202	2062%
Choicecare [177]	$2,343	2194%
Multiplan/Phcs [142]	$2,775 - $4,405	2598%
The Alliance [1703]	$2,829	2649%
Health'S Finest Network [126]	$3,084 - $3,216	2887%
Cigna	$3,304	3093%
Beechstreet [176]	$3,524	3299%

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 $3,084.
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 Northwestern Medicine McHenry 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.