X-ray, neck (cervical spine)
Facility: Menorah Medical Center
Billing Code: 72040 (CPT)
- CPT Billing Code: 72040
- Insurance Median: $110
- Cash Discount Price: $2,226
- vs. Medicare Baseline: 1.24x 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 |
|---|---|---|
| Multiplan | $29 - $1,647 | 33% |
| Corvel Corporation | $34 - $1,447 | 38% |
| Oha Network | $36 - $1,113 | 40% |
| Aetna | $39 - $1,135 | 44% |
| Amerigroup | $49 | 55% |
| United | $49 - $1,002 | 55% |
| Healthyblue | $50 | 56% |
| Humana | $50 - $64 | 56% |
| Medicaid / KanCare | $50 | 56% |
| Blue Cross Blue Shield | $50 - $1,002 | 56% |
| Unicare | $51 | 57% |
| Home State Health Plan | $79 | 89% |
| Cigna | $101 - $1,781 | 114% |
| Ambetter / Centene | $414 | 466% |
| Nhc Advantage | $423 | 476% |
| Wppa Providrs Care Network | $445 | 501% |
| Universal Healthcare | $779 | 876% |
| Coventry | $895 | 1007% |
| Coventry Kc Mo | $913 | 1027% |
| College Park Family Care Center | $957 | 1076% |
| Triwest Health Alliance | $1,669 | 1877% |
| Cco, Inc. | $1,669 | 1877% |
| Focus Healthcare Mgmt, Inc | $1,669 | 1877% |
Consumer Guidance & Cost Commentary
For this X-ray of the cervical spine at Menorah Medical Center in Overland Park, KS, the cash price is $2,226.00, which matches the facility's cash median. This rate is significantly higher than the state average, as indicated by a 1.2x multiplier compared to Medicare's benchmark of $88.91. While commercial insurance plans like Multiplan and Corvel Corporation have negotiated rates ranging from $29 to $1,647, these figures often exceed the cash price for patients with high-deductible plans. In such cases, paying the cash rate directly can be more cost-effective than relying on insurance, which may result in higher out-of-pocket costs if the negotiated allowed amount surpasses the cash charge.
Patients should proactively inquire about self-pay or prompt-pay discounts before scheduling services, as these upfront payment incentives can reduce the final bill by 20% to 50%. It is also important to request a detailed, itemized bill rather than accepting a summary invoice, as over 80% of hospital bills contain errors such as unbundled codes or charges for services not rendered. If a patient receives a balance bill from an out-of-network provider, they may be entitled to protections under the No Surprises Act, which bans balance billing for emergency care and non-emergency services at in-network facilities. Disputing any unexpected charges in writing with the billing supervisor is the most effective way to ensure accuracy and avoid unnecessary debt.