X-ray, chest (single view)
Facility: Osborne County Memorial Hospital
Billing Code: 71045 (CPT)
- CPT Billing Code: 71045
- Insurance Median: $154
- Cash Discount Price: $145
- vs. Medicare Baseline: 1.73x 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 |
|---|---|---|
| UnitedHealthcare | $129 | 145% |
| Health Partners Of Kansas | $146 | 164% |
| Wppa | $162 | 182% |
| Blue Cross Blue Shield | $167 | 188% |
Consumer Guidance & Cost Commentary
For the CPT code 71045, representing a chest X-ray, Osborne County Memorial Hospital lists a cash price of $145.00, which is lower than the facility's gross charge of $170.00. This cash rate is notably higher than the Medicare benchmark of $88.91, reflecting a markup common in commercial billing where negotiated rates often average 200% to 300% of the federal baseline. While the facility is a Critical Access Hospital in Osborne, KS, with government-local ownership, patients should verify if their specific insurance plan negotiates a rate lower than the cash price, as high-deductible plans may find paying out-of-pocket cheaper if the insurer's allowed amount exceeds $145.00.
Commercial payers in this region have negotiated rates ranging from $129.00 to $167.00, with UnitedHealthcare and Health Partners Of Kansas both settling at $129.00 and $146.00 respectively. These negotiated amounts are generally higher than the cash price due to administrative costs and contract structures that include claims processing and utilization reviews. To minimize costs, patients should explicitly ask the billing department about "self-pay" or "prompt-pay" discounts, which can reduce bills by 20% to 50% when paid upfront, bypassing the overhead associated with insurance billing cycles. Additionally, since the No Surprises Act prohibits balance billing for out-of-network services at in-network facilities, patients should ensure they receive an itemized bill to confirm no unexpected charges were added.