CMS Price Transparency Data

X-ray, neck (cervical spine)

Facility: Lovelace UNM Rehabilitation Hospital

Billing Code: 72040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72040
Insurance Median: $842
Cash Discount Price: $281
vs. Medicare Baseline: 9.47x Medicare

The contracted insurance negotiated median rate for a X-ray, neck (cervical spine) at Lovelace UNM Rehabilitation Hospital is $842. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $281. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 9.47x the Medicare baseline. Located in 505 Elm Street Ne, Albuquerque, NM.

Cash / Self-Pay

$281

Average discount available for prompt cash payment at this facility.

Insurance Median

$842

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: $281 (316%)

Insurance Median: $842 (947%)

Cash: $281 (316% of Medicare)

Ins. Median: $842 (947% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 947% of the Medicare baseline (a markup of 847%). 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
The Health Plan [2915]	$180	202%
Healthscope Benefits [2290]	$448	504%
UnitedHealthcare	$448	504%
Benefit Management [1175]	$468	526%
Zelis [2385]	$468	526%
American Medical Security [2190]	$842	947%
Boon-Chapman [2375]	$842	947%
Coresource [1315]	$842	947%
Coventry Healthcare [1320]	$842	947%
Emblem Health [2430]	$842	947%
Employee Benefit Management Services [2445]	$842	947%
First Health [1375]	$842	947%
Fmh Benefit Services [1390]	$842	947%
Healthcost Solutions [2415]	$842	947%
Healthnet [1495]	$842	947%
Healthsmart [1505]	$842 - $870	947%
Kaiser Permanente [1560]	$842	947%
Multiplan [1680]	$842	947%
Mutual Of Omaha [1685]	$842	947%
National Telephone Cooperative [1700]	$842	947%
Northamerica Administrators [1725]	$842	947%
Pan American Life Insurance Co [1770]	$842	947%
Phcs [1780]	$842	947%
Trustmark [2030]	$842	947%

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 $281.
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 Lovelace UNM Rehabilitation Hospital 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.