Vaginal delivery (full package)
Facility: Osborne County Memorial Hospital
Billing Code: 59400 (CPT)
- CPT Billing Code: 59400
- Insurance Median: $2,545
- Cash Discount Price: $2,390
- vs. Medicare Baseline: 1.15x 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 |
|---|---|---|
| UnitedHealthcare | $2,137 | 97% |
| Health Partners Of Kansas | $2,418 | 109% |
| Wppa | $2,671 | 121% |
| Blue Cross Blue Shield | $2,756 | 124% |
Consumer Guidance & Cost Commentary
For the CPT code 59400, representing a vaginal delivery (full package), the gross charge at Osborne County Memorial Hospital is $2,812.00. This facility, a Critical Access Hospital in Osborne, Kansas, offers a cash median price of $2,390.00, which is notably lower than the negotiated rates paid by major payers such as UnitedHealthcare ($2,137) and Health Partners Of Kansas ($2,418). While the cash price is attractive for self-pay patients, it is important to note that commercial insurance contracts often include administrative overheads that can inflate the final allowed amount. Patients with high-deductible plans may find the cash price more beneficial if their insurance negotiated rate exceeds this amount, though they should verify their specific plan's allowed amount before scheduling.
To ensure you are receiving fair pricing, it is recommended to request an 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. Additionally, you should compare the facility's rates against the Medicare benchmark of $2,214.42; the gross charge represents a 1.1x markup relative to this federal baseline, which aligns with typical commercial pricing structures. Finally, ask the hospital directly about "self-pay" or "prompt-pay" discounts, which can reduce the total cost by 20% to 50% if paid upfront, effectively bypassing the costly claims processing cycle that insurance billing requires.