CMS Price Transparency Data

X-ray, neck (cervical spine)

Facility: Beloit Health System

Billing Code: 72040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72040
Insurance Median: $365
Cash Discount Price: $192
vs. Medicare Baseline: 4.11x Medicare

The contracted insurance negotiated median rate for a X-ray, neck (cervical spine) at Beloit Health System is $365. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $192. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 4.11x the Medicare baseline. Located in 1969 W Hart Rd, Beloit, WI.

Cash / Self-Pay

$192

Average discount available for prompt cash payment at this facility.

Insurance Median

$365

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: $192 (216%)

Insurance Median: $365 (411%)

Cash: $192 (216% of Medicare)

Ins. Median: $365 (411% 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 411% of the Medicare baseline (a markup of 311%). 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	$10 - $657	11%
Blue Cross Blue Shield	$10 - $416	11%
Dean Health	$10 - $387	11%
Independent Care Health Plan	$10 - $92	11%
Quartz	$10 - $450	11%
UnitedHealthcare	$10 - $313	11%
Naphcare	$16 - $415	18%
Humana	$39 - $519	44%
The Alliance	$40 - $366	45%
Wps	$52 - $512	58%
Cook Children'S Health Plan (Cchp)	$92 - $346	103%
Managed Health Services	$92	103%
Molina Healthcare	$92	103%
Wellcare	$92	103%
Wea Trust	$117 - $380	132%
Multiplan	$171 - $553	192%
Health Eos	$194 - $629	218%
Cigna	$203 - $657	228%
Hfn	$203 - $657	228%
Preferred Network Access	$203 - $657	228%

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 $192.
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 Beloit Health System 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.