CMS Price Transparency Data

X-ray, lower back

Facility: Fhn Memorial Hospital

Billing Code: 72110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72110
Insurance Median: $203
Cash Discount Price: $238
vs. Medicare Baseline: 1.90x Medicare

The contracted insurance negotiated median rate for a X-ray, lower back at Fhn Memorial Hospital is $203. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $238. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 1.90x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$238

Average discount available for prompt cash payment at this facility.

Insurance Median

$203

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: $238 (223%)

Insurance Median: $203 (190%)

Cash: $238 (223% of Medicare)

Ins. Median: $203 (190% 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.

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	$13 - $637	12%
Health Alliance Mcr Adv	$13 - $112	12%
Humana	$13 - $904	12%
Quartz Mcr Adv	$13 - $112	12%
UnitedHealthcare	$13 - $892	12%
Osf Healthplans - All Plans	$22 - $1,143	21%
Blue Cross Blue Shield	$26 - $772	24%
Ecoh Nihp	$30 - $720	28%
Ecoh - All Other Plans	$33 - $777	31%
Nihp Employ - All Plans	$33 - $720	31%
The Alliance - All Plans	$34 - $685	32%
Meridian Health Plan - All Plans	$49 - $297	46%
Quartz - All Other Plans	$122 - $743	114%
Northern Il Hp - All Plans	$140 - $789	131%
Hfn - All Plans	$172 - $937	161%
Galaxy - All Plans	$183 - $1,029	171%
Health Alliance - All Other Plans	$183 - $1,029	171%
Interplan Health - All Plans	$183 - $1,029	171%
Midland Choice - All Plans	$183 - $1,086	171%
Multiplan Phcs - All Plans	$183 - $972	171%
Preferred Plan Ppo - All Plans	$183 - $1,029	171%
Wps - All Plans	$183 - $999	171%
Trustmark - All Plans	$187 - $1,052	175%
First Health - All Plans	$209 - $804	196%
First Choice Il - All Plans	$252 - $972	236%

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 $238.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 72110.

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 72110.
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.