CMS Price Transparency Data

C-section delivery (full package)

Facility: Lutheran Hospital of Indiana

Billing Code: 59510 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59510
Insurance Median: $2,668
Cash Discount Price: $1,838
vs. Medicare Baseline: 1.08x Medicare

The contracted insurance negotiated median rate for a C-section delivery (full package) at Lutheran Hospital of Indiana is $2,668. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,838. Compared to the federal Medicare reimbursement reference rate of $2,473.27, this hospital’s rate is 1.08x the Medicare baseline. Located in 7950 W Jefferson Blvd, Fort Wayne, IN.

Cash / Self-Pay

$1,838

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,668

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: $1,838 (74%)

Insurance Median: $2,668 (108%)

Cash: $1,838 (74% of Medicare)

Ins. Median: $2,668 (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
Physicians Health Plan Of Northern Indiana	$1,319 - $2,307	53%
Ky Work Comp	$1,346 - $1,472	54%
Amish Aid	$1,603 - $1,753	65%
Lutheran Preferred Network	$1,603 - $3,506	65%
Self Pay	$1,603 - $2,103	65%
Cigna	$1,725 - $2,121	70%
Php Freedom Network	$1,773 - $1,939	72%
Blue Cross Blue Shield	$1,982 - $2,168	80%
Aetna	$2,137 - $2,781	86%
Lutheran Preferred	$2,137 - $2,337	86%
One Call Care Diagnostics	$2,201	89%
Veterans Eval Services	$2,342	95%
Sagamore	$2,436 - $3,161	98%
Encore Ppo	$2,612 - $2,857	106%
Lutheran Network	$2,671 - $2,922	108%
Multiplan	$3,900 - $4,850	158%
Prime Health Services	$4,006 - $4,382	162%
Encore Health Network	$4,380 - $5,259	177%
Advantage Health Solutions	$4,434 - $4,850	179%
Allied Benefit Systems	$4,808 - $5,259	194%
Evolutions	$4,808 - $5,259	194%

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 $1,838.
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 Lutheran Hospital of Indiana 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.