CMS Price Transparency Data

X-ray, chest (two views)

Facility: Stillwater Medical Center

Billing Code: 71046 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 71046
Insurance Median: $176
Cash Discount Price: $347
vs. Medicare Baseline: 1.98x Medicare

The contracted insurance negotiated median rate for a X-ray, chest (two views) at Stillwater Medical Center is $176. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $347. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 1.98x the Medicare baseline. Located in 1323 West 6Th Street, Stillwater, OK.

Cash / Self-Pay

$347

Average discount available for prompt cash payment at this facility.

Insurance Median

$176

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: $347 (390%)

Insurance Median: $176 (198%)

Cash: $347 (390% of Medicare)

Ins. Median: $176 (198% 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	$45 - $388	51%
Cigna	$46 - $396	52%
Community Care	$58 - $505	65%
UnitedHealthcare	$60 - $521	67%
Coventry	$68 - $583	76%
First Health	$76 - $660	85%
Osma Health	$79 - $684	89%
Multiplan	$81 - $699	91%
Preferred Community Choice	$81 - $699	91%
Tricare	$90	101%
Veterans Administration	$90	101%
Healthcare Highways	$157	177%
Healthchoice	$195	219%
Ebms (Employee Benefit Management Services Inc.)	$215	242%
Blue Cross Blue Shield	$241	271%

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 $347.
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 Stillwater Medical Center 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.