X-ray, chest (single view)
Facility: St. Catherine Hospital - Garden City
Billing Code: 71045 (CPT)
- CPT Billing Code: 71045
- Insurance Median: $109
- Cash Discount Price: $208
- vs. Medicare Baseline: 1.23x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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.
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 | $15 - $260 | 17% |
| UnitedHealthcare | $15 - $191 | 17% |
| Blue Cross Blue Shield | $15 - $146 | 17% |
| Cigna | $15 - $127 | 17% |
| Kaiser | $15 - $242 | 17% |
| Medicare (plans) | $15 - $17 | 17% |
| Humana | $15 - $17 | 17% |
| Kansas Health | $15 | 17% |
| Innovage | $17 | 19% |
| Devoted Health | $17 | 19% |
| Direct To Employer | $75 - $351 | 84% |
| Wpaa | $81 - $216 | 91% |
| Centura Employee Plan | $91 | 102% |
| Christian Health Aid | $92 - $247 | 103% |
| Peak Health | $99 - $342 | 111% |
| Multiplan | $104 - $746 | 117% |
| Health Partners Of Kansas | $112 - $299 | 126% |
| Denver Health | $173 - $207 | 195% |
| United Colorado Doctor'S Plan | $182 | 205% |
Consumer Guidance & Cost Commentary
For the CPT code 71045, representing a chest X-ray, St. Catherine Hospital - Garden City lists a gross charge of $521.00, though the actual median negotiated rate across 19 payers is $109.00. This facility is located in Garden City, Kansas (ZIP 67846), and its cash price of $208.00 is significantly lower than the typical negotiated rates seen with major insurers like Multiplan ($1,040–$746) or Peak Health ($990–$342). While the facility's facility rating is 2, the pricing data suggests that paying out-of-pocket may be more cost-effective for patients with high-deductible plans, as the cash price of $208.00 is well below the median allowed amount of $147.00 reported for many commercial plans. Patients should verify "self-pay" or "prompt-pay" discounts directly with the hospital before scheduling, as these upfront payment incentives can further reduce the final bill by bypassing administrative claim processing costs.
When evaluating the cost against federal standards, the Medicare benchmark for this service is $88.91, which serves as a baseline for the true cost of delivery. The facility's cash price of $208.00 represents a markup of approximately 1.2 times the Medicare rate, aligning with the 120% to 150% range often considered fair pricing, whereas many commercial negotiated rates exceed 200% of the Medicare amount. It is important to note that while the No Surprises Act protects patients from balance billing