CMS Price Transparency Data

X-ray, chest (two views)

Facility: Charlevoix Area Hospital

Billing Code: 71046 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 71046
Insurance Median: $53
Cash Discount Price: $139
vs. Medicare Baseline: 0.60x Medicare

The contracted insurance negotiated median rate for a X-ray, chest (two views) at Charlevoix Area Hospital is $53. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $139. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 0.60x the Medicare baseline. Located in 14700 Lakeshore Drive, Charlevoix, MI.

Cash / Self-Pay

$139

Average discount available for prompt cash payment at this facility.

Insurance Median

$53

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: $139 (156%)

Insurance Median: $53 (60%)

Cash: $139 (156% of Medicare)

Ins. Median: $53 (60% 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 - $151	8%
Mclaren Health Plan	$7 - $152	8%
Meridian	$7 - $61	8%
Priority Health	$7 - $163	8%
UnitedHealthcare	$7 - $142	8%
Aetna	$10 - $147	11%
Blue Care Network	$10 - $77	11%
Hap (Health Alliance Plan)	$10 - $131	11%
Medicare (plans)	$10 - $77	11%
Michigan Amish Medical Board	$10 - $77	11%
Molina	$10 - $83	11%
Northern Michigan Mennonite Group	$10 - $77	11%
Asr Physicians Care Network	$15 - $130	17%
Cigna	$16 - $163	18%
Nomi Health	$16 - $152	18%
Employee Benefits Logistics	$17 - $130	19%
Hospice Of Michigan	$98	110%
Provider Network Of America/Hma Group Health	$122 - $139	137%
Enterprise Group Planning Employee Benefit Plan	$130	146%
First Health/Coventry Health/Community Care Network	$130	146%
Medical Cost Savings Solution	$130	146%
Three Rivers Provider Network	$139	156%
Iba Health And Life Assurance Company	$150	169%
Cofinity	$152	171%
Preferred Medical Claim Solutions	$155	174%

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 $139.
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 Charlevoix Area 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.