CT scan, neck (cervical spine)
Facility: Jewell County Hospital
Billing Code: 72125 (CPT)
- CPT Billing Code: 72125
- Insurance Median: $1,140
- Cash Discount Price: $900
- vs. Medicare Baseline: 10.67x 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 $106.81 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 1067% of the Medicare baseline (a markup of 967%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
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 |
|---|---|---|
| Rural Carriers - All Plans | $1,020 | 955% |
| Aetna | $1,080 | 1011% |
| Meritain - All Plans | $1,080 | 1011% |
| Midlands Choice - All Plans | $1,140 | 1067% |
| UnitedHealthcare | $1,140 | 1067% |
| Cigna | $1,140 | 1067% |
| First Health - All Plans | $1,140 | 1067% |
Consumer Guidance & Cost Commentary
For a CT scan of the neck at Jewell County Hospital in Mankato, KS, the facility's cash price is $900, which is lower than the state average of $1,140. While the hospital is a Critical Access Hospital owned by the local government, patients with high-deductible plans might find paying the cash price directly more affordable than using insurance, as the negotiated rates for major payers like Aetna, Cigna, and UnitedHealthcare are all set at $1,140. This means that if your insurance plan has a high deductible, you could save money by paying the cash rate upfront, provided you confirm with the hospital that this qualifies as a "self-pay" or "prompt-pay" discount before scheduling your visit.
It is important to understand that the $1,140 amount represents the negotiated rate, not the full chargemaster list price of $1,200. Although the No Surprises Act protects patients from balance billing for out-of-network providers at in-network facilities, patients should still verify their specific plan details to ensure they are not subject to unexpected fees. If you receive a bill that appears higher than the negotiated rate, you should request a formal itemized audit to check for errors, unbundled codes, or services not rendered, as over 80% of hospital bills contain mistakes. Comparing this rate to the Medicare benchmark of $106.81 reveals a significant markup, highlighting why it is crucial to compare commercial rates against federal standards rather than the inflated list prices provided by the hospital.