C-section delivery (full package)
Facility: Neosho Memorial Regional Medical Center
Billing Code: 59510 (CPT)
- CPT Billing Code: 59510
- Insurance Median: $2,457
- Cash Discount Price: $5,495
- vs. Medicare Baseline: 0.99x 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 |
|---|---|---|
| Tricare | $2,258 | 91% |
| Humana | $2,457 | 99% |
| Aetna | $2,457 | 99% |
| Va_Ccn | $2,457 | 99% |
| Blue Cross Blue Shield | $2,457 - $6,228 | 99% |
| Medadv_Allwell | $2,457 | 99% |
| Medadv_Uhc | $2,457 | 99% |
| Medicare (plans) | $2,457 | 99% |
| Ambetter / Centene | $2,580 | 104% |
| Wppa_Providrscare | $6,081 | 246% |
| United | $6,096 | 246% |
| Coventry | $6,961 | 281% |
| Hpk | $6,961 | 281% |
| Cigna | $6,961 | 281% |
Consumer Guidance & Cost Commentary
For C-section delivery (full package) at Neosho Memorial Regional Medical Center in Chanute, KS, the cash median price is $5,495, which is lower than the facility's gross charge of $7,327. While the facility is a Critical Access Hospital with government local ownership, patients with high-deductible plans may find paying cash directly more cost-effective than using insurance, as the negotiated rates for major payers like Blue Cross Blue Shield and United range from $2,457 to $6,228. Because commercial insurance contracts often include administrative overheads that inflate the baseline price, the cash rate can sometimes represent a better financial outcome if the patient's out-of-pocket costs exceed the cash price.
To ensure you are not overcharged, it is essential to request a full itemized billing audit before finalizing payment, as over 80% of hospital bills contain errors such as unbundled codes or services not rendered. Additionally, since balance billing is generally prohibited for emergency care at in-network facilities under the No Surprises Act, you should verify that your specific CPT code is covered and dispute any unexpected charges immediately rather than accepting summary bills. Finally, do not assume the insurance negotiated rate is the lowest possible price; always ask the hospital directly about self-pay or prompt-pay discounts, which can reduce the bill by 20% to 50% if paid upfront, bypassing the costly claims processing cycle.