X-ray, lower back
Facility: Osborne County Memorial Hospital
Billing Code: 72110 (CPT)
- CPT Billing Code: 72110
- Insurance Median: $330
- Cash Discount Price: $309
- vs. Medicare Baseline: 3.09x 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 309% of the Medicare baseline (a markup of 209%). 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 |
|---|---|---|
| UnitedHealthcare | $277 | 259% |
| Health Partners Of Kansas | $313 | 293% |
| Wppa | $346 | 324% |
| Blue Cross Blue Shield | $357 | 334% |
Consumer Guidance & Cost Commentary
For this X-ray of the lower back at Osborne County Memorial Hospital, the cash price of $309.00 is notably lower than the facility's gross charge of $364.00, offering a potential savings for patients with high-deductible plans or those without insurance. While the facility's negotiated rates for commercial payers like UnitedHealthcare and Blue Cross Blue Shield range from $277 to $357, these amounts are generally higher than the cash price due to administrative costs and contract structures. It is important to note that the facility is a Critical Access Hospital in Osborne, KS, and while specific state or county average data was not provided in this report, patients should always verify if their specific insurance plan's negotiated rate exceeds the cash price to determine the most cost-effective payment option.
When reviewing your bill, remember that the Medicare benchmark for this service is $106.81, which serves as a scientifically validated baseline for the true cost of care rather than the hospital's inflated list price. Although the facility is government-owned locally, commercial rates often average 200% to 300% of Medicare, so comparing your allowed amount directly to the Medicare rate provides a clearer picture of pricing fairness than looking at the gross charge. If you choose to pay out-of-pocket, ask the billing department about "prompt-pay" discounts, which can reduce the final amount by 20% to 50% if settled within 30 days, effectively bypassing the administrative overhead associated with insurance claims processing.