CMS Price Transparency Data

X-ray, lower back

Facility: Beloit Health System

Billing Code: 72110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72110
Insurance Median: $409
Cash Discount Price: $275
vs. Medicare Baseline: 3.83x Medicare

The contracted insurance negotiated median rate for a X-ray, lower back at Beloit Health System is $409. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $275. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 3.83x the Medicare baseline. Located in 1969 W Hart Rd, Beloit, WI.

Cash / Self-Pay

$275

Average discount available for prompt cash payment at this facility.

Insurance Median

$409

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: $275 (257%)

Insurance Median: $409 (383%)

Cash: $275 (257% of Medicare)

Ins. Median: $409 (383% 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 383% of the Medicare baseline (a markup of 283%). 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
Aetna	$13 - $929	12%
Blue Cross Blue Shield	$13 - $635	12%
Dean Health	$13 - $547	12%
Independent Care Health Plan	$13 - $110	12%
Quartz	$13 - $635	12%
UnitedHealthcare	$13 - $313	12%
Naphcare	$19 - $573	18%
Humana	$46 - $716	43%
The Alliance	$48 - $440	45%
Cook Children'S Health Plan (Cchp)	$56 - $489	52%
Wea Trust	$62 - $538	58%
Wps	$63 - $724	59%
Multiplan	$90 - $782	84%
Health Eos	$102 - $890	95%
Cigna	$107 - $929	100%
Hfn	$107 - $929	100%
Preferred Network Access	$107 - $929	100%
Managed Health Services	$110	103%
Molina Healthcare	$110	103%
Wellcare	$110	103%

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 $275.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 72110.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Beloit Health System is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 72110.
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.