C-section delivery (full package)
Facility: Providence Medical Center
Billing Code: 59510 (CPT)
- CPT Billing Code: 59510
- Insurance Median: $4,581
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 1.85x 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.
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 |
|---|---|---|
| Comp Alliance - Fka Compresults Worker Compensation | $4,581 | 185% |
Consumer Guidance & Cost Commentary
For this C-section delivery (full package) at Providence Medical Center in Kansas City, the negotiated rate for in-network insurance is $4,581, which aligns exactly with the lowest and highest values reported for this specific payer. This rate is significantly higher than the Medicare benchmark of $2,473.27, reflecting a markup of 1.9 times the federal baseline. While commercial insurance contracts often include administrative overhead that inflates prices, patients with high-deductible plans may find that paying the cash price directly could result in lower out-of-pocket costs if the insurance negotiated rate exceeds the cash price. It is important to verify your specific deductible status before scheduling, as paying the full negotiated amount without meeting your deductible balance can lead to substantial unexpected expenses.
Patients should proactively contact the hospital to inquire about "self-pay" or "prompt-pay" discounts, which can reduce the final bill by 20% to 50% if paid in full upfront. These discounts bypass the costly insurance claims processing cycle and provide immediate liquidity to the facility, often resulting in a lower total than the standard negotiated rate. Additionally, since over 80% of hospital bills contain errors, consumers are advised to request a detailed, itemized statement before making any payment to ensure no services were double-billed or unbundled. By comparing the facility's rates against the Medicare benchmark and seeking prompt-pay options, patients can make informed decisions that minimize financial risk while receiving necessary care.