CMS Price Transparency Data

C-section delivery (full package)

Facility: Watsonville Community Hospital

Billing Code: 59510 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59510
Insurance Median: $7,095
Cash Discount Price: $2,669
vs. Medicare Baseline: 2.87x Medicare

The contracted insurance negotiated median rate for a C-section delivery (full package) at Watsonville Community Hospital is $7,095. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,669. Compared to the federal Medicare reimbursement reference rate of $2,473.27, this hospital’s rate is 2.87x the Medicare baseline. Located in 75 Nielson Street, Watsonville, CA.

Cash / Self-Pay

$2,669

Average discount available for prompt cash payment at this facility.

Insurance Median

$7,095

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: $2,669 (108%)

Insurance Median: $7,095 (287%)

Cash: $2,669 (108% of Medicare)

Ins. Median: $7,095 (287% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 287% of the Medicare baseline (a markup of 187%). 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
California Childrens Srvs	$1,995	81%
Ccs/Monterey County	$1,995	81%
Healthy Families	$1,995	81%
Medi-Cal E.R.	$1,995	81%
Medi-Cal/Eds	$1,995	81%
Medicaid / KanCare	$1,995	81%
Well Path	$1,995	81%
Alliance/Sccho	$2,573 - $2,712	104%
Blue Cross Blue Shield	$11,478	464%
Calif Ironworkers Field	$11,478	464%
Carpenters H&W Trust	$11,478	464%
City Of Wats/Pinnacle Clm	$11,478	464%
Claims Management Wc	$11,478	464%
Delta Health Systems	$11,478	464%
Laborers Health & Welfare	$11,478	464%
Monterey Bay Pub Emp Trst	$11,478	464%
Operating Engineers	$11,478	464%
Pinnacle Claims Tpa/Bc	$11,478	464%
Robert Kennedy/Ccn	$11,478	464%
Sheet Metal Workers	$11,478	464%
State Compensation Fund	$11,478	464%
Teamsters Benefit Trust	$11,478	464%
Western Growers Trust/Bc	$11,478	464%

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 $2,669.
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 Watsonville Community Hospital 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.