Vaginal delivery (full package)
Facility: Cloud County Health Center
Billing Code: 59400 (CPT)
- CPT Billing Code: 59400
- Insurance Median: $2,962
- Cash Discount Price: $2,906
- vs. Medicare Baseline: 1.34x 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 |
|---|---|---|
| Mpi-All Plans | $1,980 | 89% |
| Pponext-All Plans | $3,944 | 178% |
Consumer Guidance & Cost Commentary
For a vaginal delivery (full package) at Cloud County Health Center in Concordia, KS, the facility's cash median rate of $2,906.00 is lower than the state average for this service. While the facility's negotiated rate with Mpi-All Plans is $1,980.00 and with Pponext-All Plans is $3,944.00, patients should be aware that cash payments can sometimes result in lower out-of-pocket costs if their insurance negotiated rate exceeds the cash price. It is important to verify your specific plan's allowed amount before scheduling, as commercial rates often include administrative overhead that can make them higher than the direct cash price. Additionally, patients should explicitly ask the hospital about "self-pay" or "prompt-pay" discounts, which can further reduce the final bill if paid in full upfront.
This service is benchmarked against Medicare, which sets a fixed reimbursement rate of $2,214.42 for this procedure. The facility's cash rate of $2,906.00 represents a markup of 1.3 times the Medicare amount, which aligns with typical commercial pricing structures where rates range from 200% to 300% of Medicare. If you are concerned about potential balance billing or unexpected charges, you should request a full itemized billing audit before paying, as over 80% of hospital bills contain errors such as unbundled codes or services not rendered. If you receive a surprise bill, you may have protections under the No Surprises Act, and you should dispute the charge in writing rather than paying immediately to avoid credit damage. Always confirm that your provider is in-network and