Vaginal delivery (full package)
Facility: St. Catherine Hospital - Garden City
Billing Code: 59400 (CPT)
- CPT Billing Code: 59400
- Insurance Median: $2,294
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 1.04x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Kaiser | $2,085 - $2,306 | 94% |
| Cigna | $2,085 - $2,306 | 94% |
| UnitedHealthcare | $2,085 - $2,306 | 94% |
| Medicare (plans) | $2,085 - $2,306 | 94% |
| Blue Cross Blue Shield | $2,085 - $15,506 | 94% |
| Humana | $2,085 - $2,306 | 94% |
| Kansas Health | $2,085 | 94% |
| Aetna | $2,085 - $2,306 | 94% |
| Devoted Health | $2,306 | 104% |
| Innovage | $2,306 | 104% |
Consumer Guidance & Cost Commentary
For a vaginal delivery at St. Catherine Hospital in Garden City, KS, the negotiated rates for in-network payers range from $2,085 to $2,306, with most major insurers including Kaiser, Cigna, and UnitedHealthcare falling within the $2,085 to $2,306 band. While the facility's median negotiated rate of $2,294 is slightly higher than the Medicare benchmark of $2,214.42, it remains significantly lower than the highest negotiated rate of $15,506 found with Blue Cross Blue Shield. Because commercial insurance contracts often include administrative overhead that inflates the baseline price by 20% to 40%, patients with high-deductible plans may find that paying the cash price directly is more cost-effective than relying on insurance, provided the facility offers a self-pay or prompt-pay discount.
It is important to note that the facility's facility rating is 2, which may influence the specific contract terms and pricing structures applied to different insurance plans. To ensure you receive the most accurate pricing, always verify your specific plan's allowed amount before scheduling, as in-network rates can vary widely between carriers. If you choose to pay out-of-pocket, request a formal itemized bill to review every CPT code and avoid errors, and ask explicitly about prompt-pay discounts that could reduce your total by 20% to 50%. Remember that while balance billing is generally prohibited for emergency services at in-network facilities under the No Surprises Act, reviewing your itemized statement is the most effective way to identify any unbundled charges or services not rendered that could be disputed.