CMS Price Transparency Data

X-ray, neck (cervical spine)

Facility: Presence Saint Joseph Hospital - Chicago

Billing Code: 72040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72040
Insurance Median: $96
Cash Discount Price: $291
vs. Medicare Baseline: 1.08x Medicare

The contracted insurance negotiated median rate for a X-ray, neck (cervical spine) at Presence Saint Joseph Hospital - Chicago is $96. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $291. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 1.08x the Medicare baseline. Located in 2900 North Lake Shore Drive, Chicago, IL.

Cash / Self-Pay

$291

Average discount available for prompt cash payment at this facility.

Insurance Median

$96

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: $291 (327%)

Insurance Median: $96 (108%)

Cash: $291 (327% of Medicare)

Ins. Median: $96 (108% 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
Cigna	$32 - $270	36%
UnitedHealthcare	$81 - $182	91%
Blue Cross Blue Shield	$82 - $124	92%
Aetna	$92 - $520	103%
Humana	$92 - $101	103%
Medicare (plans)	$92 - $101	103%
Tricare	$92	103%
Bright Health	$115	129%
Smarthealth	$129	145%
Ambetter / Centene	$149	168%

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 $291.
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 Presence Saint Joseph Hospital - Chicago 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.