CMS Price Transparency Data

X-ray, neck (cervical spine)

Facility: Mosaic Life Care at St Joseph

Billing Code: 72040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72040
Insurance Median: $54
Cash Discount Price: $510
vs. Medicare Baseline: 0.61x Medicare

The contracted insurance negotiated median rate for a X-ray, neck (cervical spine) at Mosaic Life Care at St Joseph is $54. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $510. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 0.61x the Medicare baseline. Located in 5325 Faraon Street, Saint Joseph, MO.

Cash / Self-Pay

$510

Average discount available for prompt cash payment at this facility.

Insurance Median

$54

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: $510 (574%)

Insurance Median: $54 (61%)

Cash: $510 (574% of Medicare)

Ins. Median: $54 (61% 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
Aetna	$9 - $496	10%
Medicaid / KanCare	$9 - $74	10%
UnitedHealthcare	$9 - $846	10%
Amerigroup Of Iowa	$11 - $31	12%
Iowa Total Care	$11 - $31	12%
Molina Of Iowa	$11 - $31	12%
Blue Cross Blue Shield	$12 - $521	13%
Multiplan	$37 - $540	42%
Centurion	$43 - $420	48%
Geha Shared Services	$50 - $487	56%
Freedom Select Healthlink	$52 - $515	58%
Healthlink Open Access	$52 - $515	58%
Preferred Health Professional	$52 - $515	58%
Sisco	$52 - $515	58%
Cigna	$54 - $528	61%
Ambetter / Centene	$65 - $169	73%
Home State Of Missouri	$870	979%
Healthy Blue Of Missouri	$1,068	1201%

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 $510.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 72040.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Mosaic Life Care at St Joseph is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 72040.
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.