CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Lutheran Hospital of Indiana

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $2,126
Cash Discount Price: $1,520
vs. Medicare Baseline: 0.96x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at Lutheran Hospital of Indiana is $2,126. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,520. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 0.96x the Medicare baseline. Located in 7950 W Jefferson Blvd, Fort Wayne, IN.

Cash / Self-Pay

$1,520

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,126

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: $1,520 (69%)

Insurance Median: $2,126 (96%)

Cash: $1,520 (69% of Medicare)

Ins. Median: $2,126 (96% 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
Physicians Health Plan Of Northern Indiana	$700 - $2,090	32%
Ky Work Comp	$714 - $1,334	32%
Amish Aid	$850 - $1,588	38%
Lutheran Preferred Network	$850 - $3,176	38%
Self Pay	$850 - $1,906	38%
Cigna	$916 - $1,922	41%
Php Freedom Network	$941 - $1,757	42%
Blue Cross Blue Shield	$1,052 - $1,964	48%
Aetna	$1,134 - $2,520	51%
Lutheran Preferred	$1,134 - $2,118	51%
Sagamore	$1,293 - $2,864	58%
Encore Ppo	$1,386 - $2,589	63%
Lutheran Network	$1,418 - $2,647	64%
One Call Care Diagnostics	$1,988	90%
Multiplan	$2,070 - $4,394	93%
Veterans Eval Services	$2,123	96%
Prime Health Services	$2,126 - $3,970	96%
Encore Health Network	$2,325 - $4,765	105%
Advantage Health Solutions	$2,353 - $4,394	106%
Allied Benefit Systems	$2,552 - $4,765	115%
Evolutions	$2,552 - $4,765	115%

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 $1,520.
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 Lutheran Hospital of Indiana 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.