CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Loma Linda University Medical Center-Murrieta

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $2,521
Cash Discount Price: $1,676
vs. Medicare Baseline: 1.14x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at Loma Linda University Medical Center-Murrieta is $2,521. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,676. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 1.14x the Medicare baseline. Located in 28062 Baxter Road, Murrieta, CA.

Cash / Self-Pay

$1,676

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,521

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$2,214.42

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $2,214.42 (100%)

Cash / Self-Pay: $1,676 (76%)

Insurance Median: $2,521 (114%)

Cash: $1,676 (76% of Medicare)

Ins. Median: $2,521 (114% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $2,214.42 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
UnitedHealthcare	$483 - $575	22%
Kaiser Foundation Hospitals	$674 - $1,776	30%
Adventist Health	$745	34%
Lluh Dept Of Risk Management	$931	42%
Blue Shield Of California	$1,817 - $2,272	82%
Aetna	$1,990 - $2,558	90%
Alpha Care Medical Group	$2,048 - $3,165	92%
Heritage Provider Network	$2,305 - $2,521	104%
Cigna	$2,421	109%
Molina Healthcare Of Ca	$2,607	118%
Multiplan	$2,793	126%
Dignity Health	$3,165	143%
Vantage Medical Group	$3,165	143%
Inland Empire Health Plan (Iehp)	$3,388	153%
Blue Cross Blue Shield	$4,477	202%
Epic Health Plan	$9,616	434%

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 $1,676.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 59400.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Loma Linda University Medical Center-Murrieta is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 59400.
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.