Chest X-ray Cost in Morristown, TN
A chest X-ray with two views is an imaging procedure that uses a small dose of ionizing radiation to produce a still image of the chest. The two views, typically a front-facing and a side-facing image, are captured while the person stands near a detector plate. The result is a grayscale image showing the density of structures within the chest area. The facility fee covers the hospital's imaging room, equipment, and technologist staff. The prices below come from CMS-mandated hospital price transparency files and apply to HCPCS code 71046 (Chest X-ray, 2 Views). Hospitals in Morristown, TN report this code.
Data last accessed by us: 2026-10-15 · Newest hospital file date among hospitals below: 2026-08-05
Data may be outdated
This hospital's pricing file has not been updated since 2026-04-01 (197 days ago). Prices may not reflect current charges. Contact the hospital directly for current pricing.
Chest X-ray, 2 Views (HCPCS 71046)
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| Hospital | Cash Price | |
|---|---|---|
| Morristown-Hamblen | $74.40 | Schedule → |
| Tennova Jefferson Memorial | $169.51 | Schedule → |
What These Prices Mean
The gross charge is the hospital's full list price, also called the chargemaster rate. At Morristown-Hamblen, the gross charge for code 71046 is $248. At Tennova Jefferson Memorial, it is $765.99. The cash price is the rate offered to patients paying without insurance: $74.40 at Morristown-Hamblen (30% of gross) and $169.51 at Tennova Jefferson Memorial (22% of gross). Tennova Jefferson Memorial applies the larger percentage discount, yet its cash price remains higher because its starting gross charge is more than three times higher. The insured range reflects negotiated rates with health plans: $17.98 to $223.20 at Morristown-Hamblen and $14.38 to $765.99 at Tennova Jefferson Memorial. Patients on high-deductible health plans who have not yet met their deductible owe the negotiated rate for their plan, not the gross charge.
What code 71046 covers
Only one billing code appears in this dataset. HCPCS 71046 describes a chest X-ray with two views. The code applies to the technical component, meaning the hospital's equipment, room, and staff, and does not include the radiologist's interpretation, which is billed separately.
Why Chest X-ray Prices Vary
The gross charge gap between the two hospitals is $517.99: $248 at Morristown-Hamblen compared with $765.99 at Tennova Jefferson Memorial. The cash price gap is much smaller, at $95.11 ($74.40 compared with $169.51). The gap narrows because the hospitals discount from gross by different percentages. Morristown-Hamblen's cash price is 30% of its gross charge, while Tennova Jefferson Memorial's is 22%. Each hospital sets its own chargemaster and its own self-pay discount policy, so the two figures do not move in lockstep.
Facility type and alternatives
Hospital outpatient departments, academic medical centers, and community hospitals each carry different overhead and negotiate with insurers independently. Outpatient or freestanding imaging facilities, which are not part of this dataset, may charge differently for the same code. Within the two hospitals reported here, cash prices for code 71046 range from $74.40 to $169.51. Insured rates vary more widely, with 413 payer-specific rates reported for this code.
Paying cash? Health insurance could lower your Chest X-ray cost.
Published cash prices on this page range from $74.40 to $169.51. The lowest insured rate in the price table is $14.38 (Tennova Jefferson Memorial Hospital). Insured rates depend on the plan, and the lowest are often Medicaid, CHIP or Medicare Advantage plans, so they may not reflect what a commercial or marketplace plan pays. If you are uninsured, a marketplace health plan could reduce your out-of-pocket cost for this procedure.
Links go to Healthcare.gov, the official federal health insurance marketplace. We are not affiliated with Healthcare.gov or any insurance provider. This is not a recommendation for any specific plan.
What Insurers Actually Pay
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Published negotiated rates for Chest X-ray, 2 Views (HCPCS 71046) at Morristown-Hamblen, outpatient facility fee:
Chest X-ray, 2 Views (71046), Morristown-Hamblen Payer Rates
| Insurance Payer | Plan Type | Negotiated Rate |
|---|---|---|
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| BCBS TN | Blue Care | $17.98 |
| United Healthcare | Tenncare | $28.97 |
| United Healthcare | Tenncare | $28.97 |
| United Healthcare | Tenncare | $28.97 |
| United Healthcare | Tenncare | $28.97 |
| United Healthcare | Tenncare | $28.97 |
| Aetna | Commercial | $32.66 |
| Aetna | Commercial | $32.66 |
| Aetna | Commercial | $32.66 |
| Aetna | Commercial | $32.66 |
| Aetna | Commercial | $32.66 |
| Cigna | IFP | $48.27 |
| Cigna | IFP | $48.27 |
| Cigna | IFP | $48.27 |
| Cigna | IFP | $48.27 |
| Cigna | IFP | $48.27 |
| Cigna | Local Plus | $48.48 |
| Cigna | Local Plus | $48.48 |
| Cigna | Local Plus | $48.48 |
| Cigna | Local Plus | $48.48 |
| Cigna | Local Plus | $48.48 |
| Cigna | HMO | $52.70 |
| Cigna | OAP | $52.70 |
| Cigna | POS | $52.70 |
| Cigna | HMO | $52.70 |
| Cigna | OAP | $52.70 |
| Cigna | POS | $52.70 |
| Cigna | HMO | $52.70 |
| Cigna | OAP | $52.70 |
| Cigna | POS | $52.70 |
| Cigna | HMO | $52.70 |
| Cigna | OAP | $52.70 |
| Cigna | POS | $52.70 |
| Cigna | HMO | $52.70 |
| Cigna | OAP | $52.70 |
| Cigna | POS | $52.70 |
| Wellpoint | Medicaid Tenncare | $74.42 |
| Wellpoint | Medicaid Tenncare | $74.42 |
| Wellpoint | Medicaid Tenncare | $74.42 |
| Wellpoint | Medicaid Tenncare | $74.42 |
| Wellpoint | Medicaid Tenncare | $74.42 |
| Optum | VA CCN | $78.96 |
| Tricare | Humana Military | $78.96 |
| Optum | VA CCN | $78.96 |
| Tricare | Humana Military | $78.96 |
| Optum | VA CCN | $78.96 |
| Tricare | Humana Military | $78.96 |
| Optum | VA CCN | $78.96 |
| Tricare | Humana Military | $78.96 |
| Optum | VA CCN | $78.96 |
| Tricare | Humana Military | $78.96 |
| Humana | DSNP | $81.33 |
| Humana | Medicare Advantage HMO | $81.33 |
| Humana | Medicare Advantage PPO | $81.33 |
| United Healthcare | Community Plan DSNP | $81.33 |
| United Healthcare | Medicare Advantage | $81.33 |
| Humana | DSNP | $81.33 |
| Humana | Medicare Advantage HMO | $81.33 |
| Humana | Medicare Advantage PPO | $81.33 |
| United Healthcare | Community Plan DSNP | $81.33 |
| United Healthcare | Medicare Advantage | $81.33 |
| Humana | DSNP | $81.33 |
| Humana | Medicare Advantage HMO | $81.33 |
| Humana | Medicare Advantage PPO | $81.33 |
| United Healthcare | Community Plan DSNP | $81.33 |
| United Healthcare | Medicare Advantage | $81.33 |
| Humana | DSNP | $81.33 |
| Humana | Medicare Advantage HMO | $81.33 |
| Humana | Medicare Advantage PPO | $81.33 |
| United Healthcare | Community Plan DSNP | $81.33 |
| United Healthcare | Medicare Advantage | $81.33 |
| Humana | DSNP | $81.33 |
| Humana | Medicare Advantage HMO | $81.33 |
| Humana | Medicare Advantage PPO | $81.33 |
| United Healthcare | Community Plan DSNP | $81.33 |
| United Healthcare | Medicare Advantage | $81.33 |
| Farm Bureau | Medicare Advantage HMO | $82.12 |
| Farm Bureau | Medicare Advantage PPO | $82.12 |
| Farm Bureau | Medicare Advantage HMO | $82.12 |
| Farm Bureau | Medicare Advantage PPO | $82.12 |
| Farm Bureau | Medicare Advantage HMO | $82.12 |
| Farm Bureau | Medicare Advantage PPO | $82.12 |
| Farm Bureau | Medicare Advantage HMO | $82.12 |
| Farm Bureau | Medicare Advantage PPO | $82.12 |
| Farm Bureau | Medicare Advantage HMO | $82.12 |
| Farm Bureau | Medicare Advantage PPO | $82.12 |
| Aetna | Medicare Advantage | $82.91 |
| Blue Cross of TN | BlueEssential DSNP | $82.91 |
| Blue Cross of TN | BlueEssential HMO | $82.91 |
| Blue Cross of TN | Med Adv Diamond | $82.91 |
| Blue Cross of TN | Med Adv PPO | $82.91 |
| Blue Cross of TN | Med Adv Ruby | $82.91 |
| Blue Cross of TN | Med Adv Sapphire | $82.91 |
| Cigna | Medicare HMO | $82.91 |
| Cigna | Medicare HMO-POS | $82.91 |
| Cigna | Medicare PPO | $82.91 |
| Devoted Health | HMO | $82.91 |
| Devoted Health | PPO | $82.91 |
| HealthSpring | Medicare HMO POS | $82.91 |
| HealthSpring | Medicare PPO | $82.91 |
| United Healthcare | DSNP | $82.91 |
| Wellcare | Medicare Advantage | $82.91 |
| Wellpoint | DSNP | $82.91 |
| Wellpoint | Medicare Advantage | $82.91 |
| Aetna | Medicare Advantage | $82.91 |
| Blue Cross of TN | BlueEssential DSNP | $82.91 |
| Blue Cross of TN | BlueEssential HMO | $82.91 |
| Blue Cross of TN | Med Adv Diamond | $82.91 |
| Blue Cross of TN | Med Adv PPO | $82.91 |
| Blue Cross of TN | Med Adv Ruby | $82.91 |
| Blue Cross of TN | Med Adv Sapphire | $82.91 |
| Cigna | Medicare HMO | $82.91 |
| Cigna | Medicare HMO-POS | $82.91 |
| Cigna | Medicare PPO | $82.91 |
| Devoted Health | HMO | $82.91 |
| Devoted Health | PPO | $82.91 |
| HealthSpring | Medicare HMO POS | $82.91 |
| HealthSpring | Medicare PPO | $82.91 |
| United Healthcare | DSNP | $82.91 |
| Wellcare | Medicare Advantage | $82.91 |
| Wellpoint | DSNP | $82.91 |
| Wellpoint | Medicare Advantage | $82.91 |
| Aetna | Medicare Advantage | $82.91 |
| Blue Cross of TN | BlueEssential DSNP | $82.91 |
| Blue Cross of TN | BlueEssential HMO | $82.91 |
| Blue Cross of TN | Med Adv Diamond | $82.91 |
| Blue Cross of TN | Med Adv PPO | $82.91 |
| Blue Cross of TN | Med Adv Ruby | $82.91 |
| Blue Cross of TN | Med Adv Sapphire | $82.91 |
| Cigna | Medicare HMO | $82.91 |
| Cigna | Medicare HMO-POS | $82.91 |
| Cigna | Medicare PPO | $82.91 |
| Devoted Health | HMO | $82.91 |
| Devoted Health | PPO | $82.91 |
| HealthSpring | Medicare HMO POS | $82.91 |
| HealthSpring | Medicare PPO | $82.91 |
| United Healthcare | DSNP | $82.91 |
| Wellcare | Medicare Advantage | $82.91 |
| Wellpoint | DSNP | $82.91 |
| Wellpoint | Medicare Advantage | $82.91 |
| Aetna | Medicare Advantage | $82.91 |
| Blue Cross of TN | BlueEssential DSNP | $82.91 |
| Blue Cross of TN | BlueEssential HMO | $82.91 |
| Blue Cross of TN | Med Adv Diamond | $82.91 |
| Blue Cross of TN | Med Adv PPO | $82.91 |
| Blue Cross of TN | Med Adv Ruby | $82.91 |
| Blue Cross of TN | Med Adv Sapphire | $82.91 |
| Cigna | Medicare HMO | $82.91 |
| Cigna | Medicare HMO-POS | $82.91 |
| Cigna | Medicare PPO | $82.91 |
| Devoted Health | HMO | $82.91 |
| Devoted Health | PPO | $82.91 |
| HealthSpring | Medicare HMO POS | $82.91 |
| HealthSpring | Medicare PPO | $82.91 |
| United Healthcare | DSNP | $82.91 |
| Wellcare | Medicare Advantage | $82.91 |
| Wellpoint | DSNP | $82.91 |
| Wellpoint | Medicare Advantage | $82.91 |
| Aetna | Medicare Advantage | $82.91 |
| Blue Cross of TN | BlueEssential DSNP | $82.91 |
| Blue Cross of TN | BlueEssential HMO | $82.91 |
| Blue Cross of TN | Med Adv Diamond | $82.91 |
| Blue Cross of TN | Med Adv PPO | $82.91 |
| Blue Cross of TN | Med Adv Ruby | $82.91 |
| Blue Cross of TN | Med Adv Sapphire | $82.91 |
| Cigna | Medicare HMO | $82.91 |
| Cigna | Medicare HMO-POS | $82.91 |
| Cigna | Medicare PPO | $82.91 |
| Devoted Health | HMO | $82.91 |
| Devoted Health | PPO | $82.91 |
| HealthSpring | Medicare HMO POS | $82.91 |
| HealthSpring | Medicare PPO | $82.91 |
| United Healthcare | DSNP | $82.91 |
| Wellcare | Medicare Advantage | $82.91 |
| Wellpoint | DSNP | $82.91 |
| Wellpoint | Medicare Advantage | $82.91 |
| Ambetter | Exchange | $104.16 |
| Ambetter | Exchange | $104.16 |
| Ambetter | Exchange | $104.16 |
| Ambetter | Exchange | $104.16 |
| Ambetter | Exchange | $104.16 |
| EHN | Network Lease | $111.60 |
| EHN | Network Lease | $111.60 |
| EHN | Network Lease | $111.60 |
| EHN | Network Lease | $111.60 |
| EHN | Network Lease | $111.60 |
| BCBS TN | Commercial Network P | $141 |
| BCBS TN | Commercial Network S | $141 |
| BCBS TN | Commercial Network P | $141 |
| BCBS TN | Commercial Network S | $141 |
| Correctional Medical Services | Correctional Facilities - Inmate Claims | $148.80 |
| Correctional Medical Services | Correctional Facilities - Inmate Claims | $148.80 |
| Correctional Medical Services | Correctional Facilities - Inmate Claims | $148.80 |
| Correctional Medical Services | Correctional Facilities - Inmate Claims | $148.80 |
| Correctional Medical Services | Correctional Facilities - Inmate Claims | $148.80 |
| Community Services Network | NonProfit Public Benefit | $161.20 |
| Community Services Network | NonProfit Public Benefit | $161.20 |
| Community Services Network | NonProfit Public Benefit | $161.20 |
| Community Services Network | NonProfit Public Benefit | $161.20 |
| Community Services Network | NonProfit Public Benefit | $161.20 |
| United Healthcare | All Other Plans | $163.61 |
| United Healthcare | Heritage Select | $163.61 |
| United Healthcare | Options PPO | $163.61 |
| United Healthcare | All Other Plans | $163.61 |
| United Healthcare | Heritage Select | $163.61 |
| United Healthcare | Options PPO | $163.61 |
| USA Managed Care Organization | PPO | $173.60 |
| USA Managed Care Organization | PPO | $173.60 |
| USA Managed Care Organization | PPO | $173.60 |
| USA Managed Care Organization | PPO | $173.60 |
| USA Managed Care Organization | PPO | $173.60 |
| NovaNet | Network Lease | $186 |
| NovaNet | Network Lease | $186 |
| NovaNet | Network Lease | $186 |
| NovaNet | Network Lease | $186 |
| NovaNet | Network Lease | $186 |
| Direct Care America | PPO | $198.40 |
| MedSave USA | Commercial | $198.40 |
| National Provider Network | PPO | $198.40 |
| Direct Care America | PPO | $198.40 |
| MedSave USA | Commercial | $198.40 |
| National Provider Network | PPO | $198.40 |
| Direct Care America | PPO | $198.40 |
| MedSave USA | Commercial | $198.40 |
| National Provider Network | PPO | $198.40 |
| Direct Care America | PPO | $198.40 |
| MedSave USA | Commercial | $198.40 |
| National Provider Network | PPO | $198.40 |
| Direct Care America | PPO | $198.40 |
| MedSave USA | Commercial | $198.40 |
| National Provider Network | PPO | $198.40 |
| Beech Street | PPO | $210.80 |
| CCN Managed Care | PPO | $210.80 |
| Beech Street | PPO | $210.80 |
| CCN Managed Care | PPO | $210.80 |
| Beech Street | PPO | $210.80 |
| CCN Managed Care | PPO | $210.80 |
| Beech Street | PPO | $210.80 |
| CCN Managed Care | PPO | $210.80 |
| Beech Street | PPO | $210.80 |
| CCN Managed Care | PPO | $210.80 |
| Initial Group | PPO | $218.24 |
| Initial Group | PPO | $218.24 |
| Initial Group | PPO | $218.24 |
| Initial Group | PPO | $218.24 |
| Initial Group | PPO | $218.24 |
| Galaxy Health Network | PPO | $223.20 |
| Galaxy Health Network | PPO | $223.20 |
| Galaxy Health Network | PPO | $223.20 |
| Galaxy Health Network | PPO | $223.20 |
| Galaxy Health Network | PPO | $223.20 |
Key finding: BlueCare, a BCBS TN plan, has a $14.38 negotiated rate at Tennova Jefferson Memorial, while UnitedHealthcare's highest listed rate there is $765.99, a 53x difference.
What to Do With These Chest X-ray Prices
Ask the ordering office for the CPT code. This page prices 71046, a chest X-ray with 2 views. Before you call a hospital, ask the office that placed the order to confirm the exact code and whether it matches. Then ask the hospital's billing or patient access line for its cash price and an itemized estimate for 71046. Mention the code by number so the quote is for the same service.
Set a quote beside the figures here. Cash prices on this page run from $74.40 at Morristown-Hamblen Hospital to $169.51 at Tennova Jefferson Memorial Hospital. At Tennova Jefferson Memorial, insured rates for the same code span $14.38 to $765.99, so a cash quote can land inside or outside what insurers pay there. If you have coverage, ask your plan for its negotiated rate at the hospital and compare it with the cash quote.
Look for two or more bills. The prices shown are the hospital's technical charge for taking the images. The radiologist who reads them usually bills separately, so ask whether that professional fee is included in any quote. On your bill, check that the facility line matches the code you were quoted and that 71046 appears once, not repeated.
- Ask whether the order is for a standard 2-view study or something different, since a different order can change the code.
- Ask whether the quote covers an outpatient visit at the hospital.
What this page does not show. Every row here has a published cash price and a gross charge, so no zero or blank figures need reading as free. Outpatient and freestanding imaging centers are not in this dataset and may price differently.
Financial assistance and discounts. Nonprofit hospitals are required to publish a financial assistance policy, and the billing office can send it with an application. Some hospitals also offer prompt-pay or self-pay discounts; these vary by hospital and are not included in this data. If you are uninsured or not using insurance for scheduled care, you can ask the provider for a good faith estimate before the appointment.
General information about using published prices, not medical, legal or financial advice. Confirm your own cost with the hospital and your insurer. Our methodology · Medical Disclaimer
What Patients Ask About Chest X-ray Costs
How much does a chest x-ray cost without insurance in Morristown?
Without insurance, the cash price for a two-view chest X-ray (HCPCS 71046) is $74.40 at Morristown-Hamblen and $169.51 at Tennova Jefferson Memorial. The overall cash range in Morristown is $74.40 to $169.51, a difference of $95.11. Only one code is reported, so there are no code variants to compare. These figures are facility fees, which cover the hospital's room, equipment, and staff. Physician and professional fees, such as the radiologist's reading of the image, are billed separately and are not included in these prices.
Why is the gross charge so much higher than the cash price?
The gross charge, also called the chargemaster price, is a hospital's full list price before any discounts or negotiated rates. Almost no one pays it. At Morristown-Hamblen, the cash price is 30% of the $248 gross charge. At Tennova Jefferson Memorial, the cash price is 22% of the $765.99 gross charge. Tennova Jefferson Memorial's larger percentage discount still produces a higher cash price ($169.51 compared with $74.40) because its starting gross charge is higher. Gross charges serve mainly as a starting point for negotiating insurer rates and self-pay discounts.
Does insurance cover a chest x-ray?
Coverage depends on your specific plan and on whether the service is considered medically necessary. Negotiated rates for this code vary widely: across 413 payer rates, the lowest is $14.38 and the highest is $765.99. Non-emergency imaging may require prior authorization from the insurer, depending on the plan. If you have a high-deductible health plan and have not met your deductible, you owe the negotiated rate for your plan, not the gross charge. Your insurer can confirm your plan's rate, deductible status, and any cost-sharing before the service.
Are there additional fees beyond the chest x-ray facility charge?
Yes. The facility fee covers the hospital's room, equipment, and technologist staff. A radiologist, the physician who interprets the image, typically bills a separate professional fee for reading it. That fee is not included in the prices listed here, and no dollar amount for it appears in the source data. If the X-ray is performed in the emergency department, a separate ER facility fee is also billed. Ordering physicians may also bill separately for their own visits or services. Each of these charges is billed independently from the imaging facility fee.
What is the cash price for a chest x-ray at Morristown-Hamblen Hospital?
Morristown-Hamblen Hospital publishes a cash price of $74.40 for 71046 Chest X-ray, 2 Views, which is 30% of its $248 gross charge. This is a facility charge only. Other fees tied to the visit are not part of this figure. The cash price is listed for this code, so it is not missing data.
What is the self-pay price for a chest x-ray at Tennova Jefferson Memorial Hospital?
Tennova Jefferson Memorial Hospital lists a cash price of $169.51 for 71046 Chest X-ray, 2 Views, which is 22% of its $765.99 gross charge. This is a facility charge only and does not include other fees. Both hospitals on this page publish a cash price for this code.
What are the lowest and highest cash prices for a chest x-ray in Morristown?
On this page, cash prices run from $74.40 at Morristown-Hamblen Hospital to $169.51 at Tennova Jefferson Memorial Hospital. The highest is about 2x the lowest. Both are facility charges for 71046 Chest X-ray, 2 Views, and both hospitals publish a cash price, so neither figure reflects missing data.
What does BCBS TN Blue Care pay for a chest x-ray at Morristown-Hamblen Hospital?
The payer table shows BCBS TN Blue Care at $17.98 for 71046 Chest X-ray, 2 Views at Morristown-Hamblen Hospital, which is the lowest entry listed. The highest entry, $223.20, belongs to Galaxy Health Network PPO. These are facility rates only, drawn from 272 published rates.
What does CPT code 71046 mean for a chest x-ray in Morristown?
71046 is the billing code for Chest X-ray, 2 Views, and it is the only code on this page. Both Morristown-Hamblen Hospital and Tennova Jefferson Memorial Hospital are listed under it. Gross charges run from $248 to $765.99. Since only one code appears here, there are no differences between codes to compare.
Compare Other Procedures in Morristown
Data Sources
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Heads up: source files are large
Hospital CMS transparency files typically range from tens of megabytes to several hundred megabytes. Clicking a link below will open the file in a new tab and may trigger a large download, which can consume mobile data or slow down older devices. These files are intended for data processing, not casual viewing.
Morristown-Hamblen Hospital
File updated: 2026-08-05 · Accessed by us: 2026-10-15
Attested by: Robert Boos
We are not affiliated with Morristown-Hamblen Hospital. Published prices may not reflect your actual cost. Disclaimer
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Tennova Jefferson Memorial Hospital
File updated: 2026-04-01 · Accessed by us: 2026-10-15
Attested by: Tony Benton
We are not affiliated with Tennova Jefferson Memorial Hospital. Published prices may not reflect your actual cost. Disclaimer
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