CMS Price Transparency Data

CT scan, neck (cervical spine)

Facility: Sanford Bemidji Medical Center

Billing Code: 72125 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72125
Insurance Median: $1,754
Cash Discount Price: $1,997
vs. Medicare Baseline: 16.42x Medicare

The contracted insurance negotiated median rate for a CT scan, neck (cervical spine) at Sanford Bemidji Medical Center is $1,754. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,997. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 16.42x the Medicare baseline. Located in 1300 Anne St Nw, Bemidji, MN.

Cash / Self-Pay

$1,997

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,754

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$106.81

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $106.81 (100%)

Cash / Self-Pay: $1,997 (1870%)

Insurance Median: $1,754 (1642%)

Cash: $1,997 (1870% of Medicare)

Ins. Median: $1,754 (1642% of 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 1642% of the Medicare baseline (a markup of 1542%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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	$79 - $389	74%
Sanford Health Plan Align	$99	93%
Ucare	$106 - $1,754	99%
Aetna	$107 - $2,047	100%
Health Partners	$107 - $1,747	100%
Medicare (plans)	$107	100%
UnitedHealthcare	$107 - $2,084	100%
Primewest	$110 - $117	103%
Sanford Health Plan	$1,137 - $1,526	1065%
Security Health Plan	$1,373	1285%
Medica	$2,097 - $2,244	1963%
Cigna	$2,246	2103%
First Choice Health Network	$2,246	2103%
Healthez	$2,246	2103%
Multiplan	$2,246	2103%

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 $1,997.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 72125.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Sanford Bemidji Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 72125.
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.