CT scan, neck (cervical spine)
Facility: F W Huston Medical Center
Billing Code: 72125 (CPT)
- CPT Billing Code: 72125
- Insurance Median: $1,097
- Cash Discount Price: $1,140
- vs. Medicare Baseline: 10.27x 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 1027% of the Medicare baseline (a markup of 927%). 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 |
|---|---|---|
| Blue Cross Blue Shield | $458 | 429% |
| Aetna | $1,069 | 1001% |
| Humana | $1,126 | 1054% |
| Cigna | $1,211 | 1134% |
Consumer Guidance & Cost Commentary
For a CT scan of the neck at F W Huston Medical Center in Winchester, KS, the cash price is $1,140, which is lower than the state average of $1,211. While this facility is a Critical Access Hospital with a voluntary non-profit ownership structure, patients should note that commercial insurance rates vary significantly. For example, Aetna's negotiated rate is $1,069, which is lower than the cash price, whereas Cigna's rate is $1,211, matching the state average. Because commercial rates often include administrative overhead and contract markups that can exceed 200% of Medicare's baseline, it is important to compare these specific negotiated amounts against your own plan's deductible status before scheduling.
To ensure you are receiving the most accurate pricing, always request an itemized bill rather than accepting a summary invoice, as hospitals may obscure individual charges or unbundled components. If you choose to pay out-of-pocket, ask specifically about "self-pay" or "prompt-pay" discounts, which can reduce the total cost by 20% to 50% if paid upfront. Additionally, be aware that while the No Surprises Act protects you from balance billing for emergency care at in-network facilities, you should still verify that all ancillary services, such as laboratory tests, are covered under your plan to avoid unexpected out-of-pocket expenses.