CMS Price Transparency Data

C-section delivery (full package)

Facility: Fhn Memorial Hospital

Billing Code: 59510 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59510
Insurance Median: $2,660
Cash Discount Price: $2,932
vs. Medicare Baseline: 1.08x Medicare

The contracted insurance negotiated median rate for a C-section delivery (full package) at Fhn Memorial Hospital is $2,660. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,932. Compared to the federal Medicare reimbursement reference rate of $2,473.27, this hospital’s rate is 1.08x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$2,932

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,660

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: $2,932 (119%)

Insurance Median: $2,660 (108%)

Cash: $2,932 (119% of Medicare)

Ins. Median: $2,660 (108% 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	$661 - $3,422	27%
The Alliance - All Plans	$712 - $3,683	29%
Ecoh Nihp	$748 - $3,870	30%
Nihp Employ - All Plans	$748 - $3,870	30%
Quartz - All Other Plans	$772 - $3,993	31%
Blue Cross Blue Shield	$801 - $4,147	32%
Ecoh - All Other Plans	$807 - $4,177	33%
Northern Il Hp - All Plans	$819 - $4,239	33%
First Health - All Plans	$834 - $4,319	34%
UnitedHealthcare	$926 - $4,792	37%
Humana	$939 - $4,859	38%
Hfn - All Plans	$973 - $5,037	39%
First Choice Il - All Plans	$1,009 - $5,222	41%
Multiplan Phcs - All Plans	$1,009 - $5,222	41%
Wps - All Plans	$1,037 - $5,369	42%
Galaxy - All Plans	$1,068 - $5,529	43%
Health Alliance - All Other Plans	$1,068 - $5,529	43%
Interplan Health - All Plans	$1,068 - $5,529	43%
Preferred Plan Ppo - All Plans	$1,068 - $5,529	43%
Trustmark - All Plans	$1,092 - $5,652	44%
Midland Choice - All Plans	$1,128 - $5,836	46%
Osf Healthplans - All Plans	$1,187 - $6,143	48%
Meridian Health Plan - All Plans	$2,242	91%
Health Alliance Mcr Adv	$2,660	108%
Quartz Mcr Adv	$2,660	108%

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 $2,932.
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 Fhn Memorial 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.