CMS Price Transparency Data

X-ray, chest (two views)

Facility: Fhn Memorial Hospital

Billing Code: 71046 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 71046
Insurance Median: $127
Cash Discount Price: $156
vs. Medicare Baseline: 1.43x Medicare

The contracted insurance negotiated median rate for a X-ray, chest (two views) at Fhn Memorial Hospital is $127. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $156. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 1.43x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$156

Average discount available for prompt cash payment at this facility.

Insurance Median

$127

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: $156 (175%)

Insurance Median: $127 (143%)

Cash: $156 (175% of Medicare)

Ins. Median: $127 (143% 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
Aetna	$10 - $334	11%
Health Alliance Mcr Adv	$10 - $93	11%
Humana	$10 - $475	11%
Quartz Mcr Adv	$10 - $93	11%
UnitedHealthcare	$10 - $468	11%
Osf Healthplans - All Plans	$17 - $600	19%
The Alliance - All Plans	$22 - $360	25%
Ecoh Nihp	$23 - $378	26%
Nihp Employ - All Plans	$23 - $378	26%
Blue Cross Blue Shield	$24 - $405	27%
Quartz - All Other Plans	$24 - $390	27%
Ecoh - All Other Plans	$25 - $408	28%
First Health - All Plans	$26 - $422	29%
Northern Il Hp - All Plans	$26 - $414	29%
Hfn - All Plans	$30 - $492	34%
First Choice Il - All Plans	$31 - $510	35%
Multiplan Phcs - All Plans	$31 - $510	35%
Wps - All Plans	$32 - $525	36%
Galaxy - All Plans	$33 - $540	37%
Health Alliance - All Other Plans	$33 - $540	37%
Interplan Health - All Plans	$33 - $540	37%
Preferred Plan Ppo - All Plans	$33 - $540	37%
Trustmark - All Plans	$34 - $552	38%
Midland Choice - All Plans	$35 - $570	39%
Meridian Health Plan - All Plans	$40 - $49	45%

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 $156.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 71046.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Fhn Memorial Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 71046.
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.