Vaginal delivery (full package)
Facility: Neosho Memorial Regional Medical Center
Billing Code: 59400 (CPT)
- CPT Billing Code: 59400
- Insurance Median: $2,258
- Cash Discount Price: $5,495
- vs. Medicare Baseline: 1.02x 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 |
|---|---|---|
| Humana | $2,217 | 100% |
| Blue Cross Blue Shield | $2,217 - $6,228 | 100% |
| Aetna | $2,217 | 100% |
| Va_Ccn | $2,217 | 100% |
| Medadv_Uhc | $2,217 | 100% |
| Medicare (plans) | $2,217 | 100% |
| Medadv_Allwell | $2,217 | 100% |
| Tricare | $2,258 | 102% |
| Ambetter / Centene | $2,328 | 105% |
| Wppa_Providrscare | $6,081 | 275% |
| United | $6,096 | 275% |
| Cigna | $6,961 | 314% |
| Hpk | $6,961 | 314% |
| Coventry | $6,961 | 314% |
Consumer Guidance & Cost Commentary
For the CPT code 59400, representing a vaginal delivery (full package), Neosho Memorial Regional Medical Center in Chanute, KS, has a gross charge of $7,327.00. The facility's cash median price is $5,495.00, which is notably lower than the negotiated rates paid by most insurance payers listed in this report. While the median negotiated rate across payers is $2,258.00, several carriers such as Cigna, Hpk, and Coventry have negotiated rates of $6,961.00, which exceed the cash price. This disparity highlights a key billing principle: for patients with high-deductible plans or those who have met their deductible, paying the cash price of $5,495.00 upfront may be more cost-effective than relying on insurance, which could result in higher out-of-pocket costs if the allowed amount exceeds the cash rate. Additionally, patients should verify with the hospital for potential "self-pay" or "prompt-pay" discounts, as paying in full before or shortly after the service can often reduce the final bill further.
The facility's pricing is benchmarked against the federal Medicare rate of $2,214.42 for this procedure, which serves as an objective baseline for evaluating markup. The gross charge of $7,327.00 represents a significant markup compared to the Medicare amount, a common practice where commercial rates are inflated to make negotiated discounts appear larger. However, the facility's negotiated rate of $2,258.00 is only slightly above the Medicare benchmark, suggesting a relatively fair pricing structure for in