C-section delivery (full package)
Facility: Mcpherson Hospital
Billing Code: 59510 (CPT)
- CPT Billing Code: 59510
- Insurance Median: $6,515
- Cash Discount Price: $6,396
- vs. Medicare Baseline: 2.63x 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 $2,473.27 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.
Elevated Commercial Rate Alert (Value-Gap)
The negotiated rate at this facility is 263% of the Medicare baseline (a markup of 163%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
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 |
|---|---|---|
| Tricare | $1,931 | 78% |
| Va Ccn - All Plans | $2,194 | 89% |
| Blue Cross Blue Shield | $2,194 | 89% |
| Healthy Blue Mcr Adv | $2,194 | 89% |
| Wellcare Mcr Adv - All Plans | $2,194 | 89% |
| UnitedHealthcare | $2,194 - $10,604 | 89% |
| Humana | $2,194 | 89% |
| Ambetter / Centene | $2,523 | 102% |
| Wppa - All Plans | $4,677 - $7,423 | 189% |
| Central Plains - All Plans | $5,012 - $7,953 | 203% |
| Medical Associates - All Plans | $5,012 - $7,953 | 203% |
| Christian Health Aid - All Plans | $5,346 - $8,483 | 216% |
| Aetna | $5,513 - $10,604 | 223% |
| Multiplan - All Plans | $6,014 - $9,544 | 243% |
| Health Partners - All Plans | $6,348 - $10,074 | 257% |
| First Health - All Plans | $6,348 - $10,074 | 257% |
| Cigna | $6,348 - $10,074 | 257% |
| Medicaid / KanCare | $6,682 - $10,604 | 270% |
| Health Blue Mcaid - All Other Plans | $6,816 - $10,816 | 276% |
Consumer Guidance & Cost Commentary
For C-section delivery (full package) at Mcpherson Hospital in Mcpherson, KS, the cash median price is $6,396, while the median negotiated rate across payers is $6,515. This indicates that paying out-of-pocket directly may be more cost-effective than using insurance for this procedure, as the cash price is lower than the average amount insurers agree to pay. Although the facility's negotiated rates range from $1,931 to $10,816 depending on the specific plan, patients with high-deductible plans should consider paying cash upfront to avoid potential balance billing, especially if their insurance allows a higher allowed amount than the cash price. It is advisable to contact the hospital directly to confirm "self-pay" or "prompt-pay" discounts, which can further reduce the final cost before any insurance claim is processed.
The facility's pricing is benchmarked against the federal Medicare rate of $2,473.27, showing a markup of 2.6 times the Medicare amount. While commercial negotiated rates often exceed fair pricing benchmarks, the cash price of $6,396 remains a critical reference point for consumers. To ensure accuracy and avoid unexpected charges, patients should request a full itemized billing audit rather than accepting a summary bill, as over 80% of hospital bills contain errors such as unbundled codes or services not rendered. If a balance bill arises from an out-of-network provider, the No Surprises Act may protect patients from paying the difference, so disputing any surprise charges with the insurer is a recommended first step before making a payment.