CMS Price Transparency Data

C-section delivery (full package)

Facility: Winter Haven Hospital

Billing Code: 59510 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59510
Insurance Median: $3,901
Cash Discount Price: $4,061
vs. Medicare Baseline: 1.58x Medicare

The contracted insurance negotiated median rate for a C-section delivery (full package) at Winter Haven Hospital is $3,901. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,061. Compared to the federal Medicare reimbursement reference rate of $2,473.27, this hospital’s rate is 1.58x the Medicare baseline. Located in 200 Ave F Ne, Winter Haven, FL.

Cash / Self-Pay

$4,061

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,901

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: $4,061 (164%)

Insurance Median: $3,901 (158%)

Cash: $4,061 (164% of Medicare)

Ins. Median: $3,901 (158% 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
Molina	$1,218 - $4,000	49%
Simply Healthcare	$1,218	49%
Blue Cross Blue Shield	$1,756 - $3,901	71%
Ultimate Health Plan	$2,031	82%
Avmed	$2,098 - $3,317	85%
Humana	$2,666	108%
Florida Hospital	$3,114	126%
Aetna	$3,134 - $5,517	127%
Evolutions	$3,384 - $6,295	137%
Cigna	$3,567 - $5,889	144%
UnitedHealthcare	$3,601 - $6,092	146%
Multiplan	$5,415	219%
First Health	$5,754	233%
Ambetter / Centene	$6,769	274%
United Behavioral Health	$6,769	274%

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 $4,061.
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 Winter Haven 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.