CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Winter Haven Hospital

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $3,532
Cash Discount Price: $3,631
vs. Medicare Baseline: 1.60x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at Winter Haven Hospital is $3,532. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,631. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 1.60x the Medicare baseline. Located in 200 Ave F Ne, Winter Haven, FL.

Cash / Self-Pay

$3,631

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,532

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: $3,631 (164%)

Insurance Median: $3,532 (160%)

Cash: $3,631 (164% of Medicare)

Ins. Median: $3,532 (160% 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
Molina	$1,089 - $3,576	49%
Simply Healthcare	$1,089	49%
Blue Cross Blue Shield	$1,756 - $3,487	79%
Ultimate Health Plan	$1,815	82%
Avmed	$1,876 - $2,965	85%
Florida Hospital	$2,783	126%
Aetna	$2,802 - $4,932	127%
Evolutions	$3,026 - $5,627	137%
Cigna	$3,189 - $5,264	144%
UnitedHealthcare	$3,219 - $5,446	145%
Multiplan	$4,841	219%
First Health	$5,143	232%
Ambetter / Centene	$6,051	273%
United Behavioral Health	$6,051	273%

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 $3,631.
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 Winter Haven Hospital 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.