X-ray, neck (cervical spine)
Facility: Cloud County Health Center
Billing Code: 72040 (CPT)
- CPT Billing Code: 72040
- Insurance Median: $619
- Cash Discount Price: $456
- vs. Medicare Baseline: 6.96x 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.
Elevated Commercial Rate Alert (Value-Gap)
The negotiated rate at this facility is 696% of the Medicare baseline (a markup of 596%). 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 |
|---|---|---|
| Aetna | $586 - $606 | 659% |
| Pponext-All Plans | $619 | 696% |
| Mpi-All Plans | $619 | 696% |
| Health Partners - All Plans | $619 | 696% |
Consumer Guidance & Cost Commentary
For this X-ray of the cervical spine at Cloud County Health Center in Concordia, KS, the facility's cash median rate is $456.00, which is lower than the negotiated rates of $619.00 paid by major payers like Aetna, Pponext-All Plans, and MPI-All Plans. While the facility is a Critical Access Hospital with a voluntary non-profit ownership structure, patients with high-deductible plans may find paying the cash price directly more cost-effective than relying on insurance, as the insurer's allowed amount often exceeds the cash rate. It is important to note that the facility's cash rate is significantly lower than the gross chargemaster price of $651.00, and patients should explicitly ask about "self-pay" or "prompt-pay" discounts before scheduling to ensure they are receiving the lowest possible out-of-pocket rate.
This service is priced based on the 2026-06 vintage data, with a Medicare benchmark amount of $88.91 serving as the federal baseline for cost evaluation. Although specific county or state average comparisons are not provided in the current dataset, the facility's negotiated rate of $619.00 reflects the administrative costs and contract dynamics typical of in-network billing, where rates can sometimes exceed the true cost of care represented by Medicare. To avoid unexpected balance billing or errors, patients should request a full itemized bill that lists every CPT code and service rendered, ensuring that no unbundled charges or services not delivered are included. If a surprise bill arises, consumers should verify its legality under the No Surprises Act and dispute any out-of-network charges in writing rather than accepting summary invoices or