CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Northwest Health-La Porte

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $4,745
Cash Discount Price: $2,575
vs. Medicare Baseline: 2.14x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at Northwest Health-La Porte is $4,745. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,575. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 2.14x the Medicare baseline. Located in 1007 Lincolnway, La Porte, IN.

Cash / Self-Pay

$2,575

Average discount available for prompt cash payment at this facility.

Insurance Median

$4,745

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: $2,575 (116%)

Insurance Median: $4,745 (214%)

Cash: $2,575 (116% of Medicare)

Ins. Median: $4,745 (214% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 214% of the Medicare baseline (a markup of 114%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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	$1,406 - $5,590	63%
Lutheran	$1,460 - $1,825	66%
Self Pay	$1,784 - $3,650	81%
One Call	$1,988	90%
Php	$2,234 - $2,792	101%
Lutheran Preferred Medpartners	$2,260 - $2,825	102%
Alpha Baking	$2,433 - $3,042	110%
Php Freedom Network	$3,254 - $4,068	147%
Encore	$3,515 - $6,083	159%
County Of Laporte	$3,785 - $4,731	171%
UnitedHealthcare	$3,958 - $4,948	179%
Cigna	$4,017 - $5,022	181%
Prime Health Services	$4,055 - $5,069	183%
Prime Health Services Auto	$4,055 - $5,069	183%
Ihn	$4,326 - $5,407	195%
Community Health Alliance	$4,704 - $5,880	212%
Lutheran Network	$4,758 - $5,948	215%
Sagamore Health Network	$4,758 - $5,948	215%
Chandler Group	$4,866 - $6,083	220%
Hfn Workers Compensation	$4,866 - $6,083	220%
Multiplan	$4,866 - $6,083	220%
Phcs	$4,866 - $6,083	220%

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 $2,575.
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 Northwest Health-La Porte 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.