X-ray, neck (cervical spine)
Facility: Neosho Memorial Regional Medical Center
Billing Code: 72040 (CPT)
- CPT Billing Code: 72040
- Insurance Median: $184
- Cash Discount Price: $432
- vs. Medicare Baseline: 2.07x 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 207% of the Medicare baseline (a markup of 107%). 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 |
|---|---|---|
| Medicaid / KanCare | $49 | 55% |
| Blue Cross Blue Shield | $176 - $184 | 198% |
| Tricare | $177 | 199% |
| Humana | $184 | 207% |
| Medicare (plans) | $184 | 207% |
| Aetna | $184 | 207% |
| Medadv_Allwell | $184 | 207% |
| Va_Ccn | $184 | 207% |
| Medadv_Uhc | $184 | 207% |
| Ambetter / Centene | $290 | 326% |
| Wppa_Providrscare | $478 | 538% |
| United | $479 | 539% |
| Cigna | $547 | 615% |
| Hpk | $547 | 615% |
| Coventry | $547 | 615% |
Consumer Guidance & Cost Commentary
For the X-ray of the cervical spine at Neosho Memorial Regional Medical Center in Chanute, Kansas, the facility's cash median rate of $432.00 is notably higher than the state average of $392.00. While commercial insurance plans like Medicaid/KanCare and Blue Cross Blue Shield negotiate rates ranging from $49 to $184, these figures often exceed the cash price for patients with high-deductible plans. Because commercial contracts include administrative overhead and multi-layered pricing structures, paying cash upfront can sometimes result in a lower total cost than what your insurance would allow. We recommend contacting the hospital directly to confirm if "self-pay" or "prompt-pay" discounts are available, as these incentives can further reduce the final amount owed.
This facility, a Critical Access Hospital with government-local ownership, reports a Medicare benchmark of $88.91, which serves as the objective baseline for evaluating pricing markups. The facility's negotiated rate of $184.00 aligns with the median paid across most major payers, though the gross charge of $576.00 represents a significant markup compared to the federal standard. To ensure you are receiving fair pricing, it is essential to request an itemized billing audit rather than accepting a summary bill, as over 80% of hospital invoices contain errors such as unbundled codes or services not rendered. By reviewing the specific CPT codes and unit costs on your statement, you can identify any discrepancies and dispute them formally in writing to avoid unnecessary medical debt.