CMS Price Transparency Data

CT scan, lower back (lumbar spine)

Facility: St Josephs Area Health Services

Billing Code: 72131 (CPT)

The BaseRate · fair price low confidence

A fair price for this

$166

about 1.6× the $107 Medicare rate · typically $87–$917

modeled estimate · not a bill or quote

What this hospital charges insurers

$987

Well above the fair price

about $821 over the fair price · 9.2× Medicare

Medicare pays $107 Fair price $166 This hospital $987 Cash price $1,410 Hospital's list price $2,563

How we calculate the fair BaseRate →

How this hospital compares to other MN hospitals

Highest price of the 9 MN hospitals we have prices for — worth calling around.

Cheapest $52 Priciest $987

Black dot = this hospital, among the 9 MN hospitals with a price for this procedure. Full list below.

A fair price for a CT scan, lower back (lumbar spine) is about $166 (about 1.6× the $107 Medicare rate). St Josephs Area Health Services charges insurers about $987, or about $1,410 in cash — well above the fair price. Located in Park Rapids, MN.

This price is above the fair BaseRate — you may be able to pay less

Ask the hospital for the cash / self-pay price, check whether you qualify for financial assistance, or negotiate the bill down toward the fair price of about $166. Many patients pay well below the first number they’re quoted — the checklists below walk you through it.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

3 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Humana AetnaCignaKaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$1,871 - $2,127	1752%
Blue Cross Blue Shieldmajor	$359 - $1,563	336%
Humanamajor	$871	815%
HealthPartners	$897 - $2,255	840%
Medica	$871 - $1,521	815%
Sanford Health Plan	$2,435	2280%
UCare	$915 - $2,255	857%
+ 2 smaller / regional plans	$871 - $897

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 1,410), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 72131.

Insurance Before you use insurance

Call your insurance company to confirm St Josephs Area Health Services is in-network.
Ask your insurer whether prior approval is required for CPT code 72131.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at St Josephs Area Health Services

Compare: CT scan, lower back (lumbar spine) at other MN hospitals

Insurance negotiated median for the same procedure, sorted lowest first.