CMS Price Transparency Data

C-section delivery (full package)

Facility: Adventist Health Howard Memorial

Billing Code: 59510 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59510
Insurance Median: $2,857
Cash Discount Price: $2,670
vs. Medicare Baseline: 1.16x Medicare

The contracted insurance negotiated median rate for a C-section delivery (full package) at Adventist Health Howard Memorial is $2,857. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,670. Compared to the federal Medicare reimbursement reference rate of $2,473.27, this hospital’s rate is 1.16x the Medicare baseline. Located in 1 Marcela Dr, Willits, CA.

Cash / Self-Pay

$2,670

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,857

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: $2,670 (108%)

Insurance Median: $2,857 (116%)

Cash: $2,670 (108% of Medicare)

Ins. Median: $2,857 (116% 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
Aetna	$2,052	83%
Blue Shield Mcare	$2,359	95%
Medicare (plans)	$2,359	95%
Tricare	$2,359	95%
UnitedHealthcare	$2,359 - $3,109	95%
Ah Employee Health Plan - All Plans	$2,595	105%
Cigna	$2,605	105%
Blue Shield - All Other Plans	$3,323	134%
Western Growers/Pinnacle - All Plans	$3,374	136%
Healthnet - All Plans	$3,438	139%
Blue Cross Blue Shield	$3,693	149%
Brms - All Plans	$7,565	306%

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 $2,670.
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 Adventist Health Howard Memorial 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.