X-ray, lower back
Facility: St Luke Hospital & Living Center
Billing Code: 72110 (CPT)
- CPT Billing Code: 72110
- Insurance Median: $301
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 2.82x 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 282% of the Medicare baseline (a markup of 182%). 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 |
|---|---|---|
| Humana | $301 | 282% |
| UnitedHealthcare | $301 | 282% |
| Blue Cross Blue Shield | $301 | 282% |
| Bluestem Pace | $301 | 282% |
| Va Ccn | $301 | 282% |
| Kansas Department Of Health And Environment | $301 | 282% |
| Ambetter / Centene | $304 | 285% |
Consumer Guidance & Cost Commentary
For the CPT code 72110 (X-ray, lower back) at St Luke Hospital & Living Center in Marion, KS, the facility's negotiated rate is $301.00, which matches the lowest and highest rates reported across all seven payers, including Humana, UnitedHealthcare, and Blue Cross Blue Shield. This negotiated amount is significantly higher than the Medicare benchmark of $106.81, reflecting the standard administrative markup inherent in commercial contracts. While the facility is a Critical Access Hospital owned by a Government Hospital District, the data does not provide specific cash or self-pay rates; however, patients with high-deductible plans should be aware that paying cash upfront can sometimes result in a lower total cost if the insurance negotiated rate exceeds the cash price, though this specific cash rate is not listed in the current report.
To minimize unexpected costs, patients should proactively ask the billing department about "self-pay" or "prompt-pay" discounts, which can reduce the bill by 20% to 50% if paid in full before or shortly after the service. 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 double-billing or unbundled codes that can be disputed. Since the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, patients should verify their plan's network status and deductible requirements before scheduling, ensuring they are aware of their financial responsibility before the visit occurs.