CMS Price Transparency Data

X-ray, neck (cervical spine)

Facility: Northwestern Memorial Hospital

Billing Code: 72040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72040
Insurance Median: $552
Cash Discount Price: $666
vs. Medicare Baseline: 6.21x Medicare

The contracted insurance negotiated median rate for a X-ray, neck (cervical spine) at Northwestern Memorial Hospital is $552. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $666. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 6.21x the Medicare baseline. Located in 251 E Huron St, Chicago, IL.

Cash / Self-Pay

$666

Average discount available for prompt cash payment at this facility.

Insurance Median

$552

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: $666 (749%)

Insurance Median: $552 (621%)

Cash: $666 (749% of Medicare)

Ins. Median: $552 (621% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 621% of the Medicare baseline (a markup of 521%). 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
Curaechoice [6100]	$142 - $223	160%
Aetna	$184 - $951	207%
Imagine Health [6032]	$257	289%
Global Medical Management Inc [6090]	$353 - $552	397%
Humana	$380 - $476	427%
Medpartners [6038]	$426 - $666	479%
Blue Cross Blue Shield	$428 - $951	481%
Healthlink [125]	$476 - $951	535%
Health'S Finest Network [126]	$618 - $808	695%
Cigna	$761 - $951	856%
Multiplan/Phcs [142]	$761 - $951	856%
First Health Plan [6034]	$951	1070%
Galaxy Health Network [220]	$951	1070%
UnitedHealthcare	$951	1070%

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 $666.
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 Northwestern Memorial Hospital 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.