CMS Price Transparency Data

C-section delivery (full package)

Facility: Santa Clara Valley Medical Center

Billing Code: 59510 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59510
Insurance Median: $2,998
Cash Discount Price: $18,670
vs. Medicare Baseline: 1.21x Medicare

The contracted insurance negotiated median rate for a C-section delivery (full package) at Santa Clara Valley Medical Center is $2,998. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $18,670. Compared to the federal Medicare reimbursement reference rate of $2,473.27, this hospital’s rate is 1.21x the Medicare baseline. Located in 751 South Bascom Avenue, San Jose, CA.

Cash / Self-Pay

$18,670

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,998

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$2,473.27

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $2,473.27 (100%)

Cash / Self-Pay: $18,670 (755%)

Insurance Median: $2,998 (121%)

Cash: $18,670 (755% of Medicare)

Ins. Median: $2,998 (121% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $2,473.27 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
Santa Clara Family Health Plan	$2,195 - $2,998	89%
Aetna	$2,462	100%
Healthnet	$2,998	121%
Onlok	$2,998	121%
UnitedHealthcare	$3,597	145%
Blue Cross Blue Shield	$3,860	156%
Cigna	$3,989	161%
Phcs-Multiplan	$4,346	176%

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 $18,670.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 59510.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Santa Clara Valley Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 59510.
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.