CMS Price Transparency Data

X-ray, neck (cervical spine)

Facility: Saint Joseph Regional Medical Center

Billing Code: 72040 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$159

about 1.8× the $89 Medicare rate · typically $64–$159

modeled estimate · not a bill or quote

What this hospital charges insurers

$140

Below the fair price — a good deal

about $19 under the fair price · 1.6× Medicare

Medicare pays $89 Fair price $159 This hospital $140 Cash price $354 Hospital's list price $544

How we calculate the fair BaseRate →

How this hospital compares to other IN hospitals

Highest price of the 9 IN hospitals we have prices for — worth calling around.

Cheapest $20 Priciest $140

Black dot = this hospital, among the 9 IN hospitals with a price for this procedure. Full list below.

A fair price for a X-ray, neck (cervical spine) is about $159 (about 1.8× the $89 Medicare rate). Saint Joseph Regional Medical Center charges insurers about $140, or about $354 in cash — below the fair price — a good deal. Located in Mishawaka, IN.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

4 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Cigna HumanaKaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$48 - $347	54%
Blue Cross Blue Shieldmajor	$48 - $325	54%
Aetnamajor	$48 - $354	54%
Cignamajor	$348	391%
CareSource	$143	161%
GEHA	$347	390%
Health Net	$348 - $403	391%
HealthPartners	$348	391%
Medical Mutual	$354	398%
Meridian	$92	103%
MVP Health Care	$348	391%
Priority Health	$348	391%
+ 42 smaller / regional plans	$41 - $544

Government programs also on file: Medicare, Medicaid.

Excludes 1 rental-network / third-party entry (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 354), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 72040.

Insurance Before you use insurance

Call your insurance company to confirm Saint Joseph Regional Medical Center is in-network.
Ask your insurer whether prior approval is required for CPT code 72040.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at Saint Joseph Regional Medical Center

Compare: X-ray, neck (cervical spine) at other IN hospitals

Insurance negotiated median for the same procedure, sorted lowest first.