CMS Price Transparency Data

X-ray, chest (two views)

Facility: Munson Healthcare Otsego Memorial Hospital

Billing Code: 71046 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 71046
Insurance Median: $50
Cash Discount Price: $407
vs. Medicare Baseline: 0.56x Medicare

The contracted insurance negotiated median rate for a X-ray, chest (two views) at Munson Healthcare Otsego Memorial Hospital is $50. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $407. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 0.56x the Medicare baseline. Located in 825 N Center Ave, Gaylord, MI.

Cash / Self-Pay

$407

Average discount available for prompt cash payment at this facility.

Insurance Median

$50

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$88.91

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $88.91 (100%)

Cash / Self-Pay: $407 (458%)

Insurance Median: $50 (56%)

Cash: $407 (458% of Medicare)

Ins. Median: $50 (56% of 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.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Blue Cross Blue Shield	$7 - $415	8%
Mclaren Health Plan	$7 - $557	8%
Meridian	$7 - $45	8%
Molina	$7 - $94	8%
Priority Health	$7 - $87	8%
UnitedHealthcare	$7 - $532	8%
Aetna	$10 - $538	11%
Blue Care Network	$10 - $87	11%
Hap (Health Alliance Plan)	$10 - $531	11%
Humana	$10 - $87	11%
Medicare (plans)	$10 - $87	11%
Michigan Amish Medical Board	$10 - $87	11%
Northern Michigan Mennonite Group	$10 - $87	11%
Asr Physicians Care Network	$15 - $531	17%
Cigna	$16 - $78	18%
Nomi Health	$16 - $531	18%
Employee Benefit Logistics	$17 - $147	19%
Munson Hospice	$147 - $852	165%
Hospice Of Michigan	$176 - $398	198%
Enterprise Group Planning/Employee Benefit Plan	$235 - $531	264%
Cofinity	$250 - $564	281%
Provider Network Of America/Hawaii Mainland Administrative Group Health	$250 - $564	281%
Three Rivers Provider Network	$250 - $564	281%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $407.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 71046.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Munson Healthcare Otsego Memorial Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 71046.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.