C-section delivery (full package)
Facility: Amberwell Atchison Association
Billing Code: 59510 (CPT)
- CPT Billing Code: 59510
- Insurance Median: $2,409
- Cash Discount Price: $4,415
- vs. Medicare Baseline: 0.97x 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 |
|---|---|---|
| UnitedHealthcare | $1,925 - $2,472 | 78% |
| Superior Select Mcr Adv - All Plans | $2,194 | 89% |
| Triwest - All Plans | $2,194 | 89% |
| Va Ccn - All Plans | $2,194 | 89% |
| Humana | $2,194 - $2,940 | 89% |
| Aetna | $2,266 | 92% |
| Cigna | $2,409 | 97% |
| Centrus Health Direct - All Plans | $2,633 | 106% |
| Wppa Providrs Care - All Plans | $3,369 | 136% |
| Ambetter / Centene | $3,369 | 136% |
| Oscar - All Plans | $3,510 | 142% |
| Multiplan - All Plans | $4,168 | 169% |
Consumer Guidance & Cost Commentary
For C-section delivery (full package) at Amberwell Atchison Association in Atchison, KS, the cash median rate is $4,415.00, which matches the facility's gross charge. This cash price is significantly higher than the state average for this service, as the Medicare benchmark rate is $2,473.27. While commercial insurance companies negotiate rates that typically cap between $1,925 and $4,168 depending on the plan, these negotiated amounts often exceed the cash price. Patients with high-deductible plans may find it financially advantageous to pay the cash rate directly, as the insurance negotiated rate could result in higher out-of-pocket costs if the deductible has not yet been met. It is important to verify your specific plan's allowed amount before scheduling, as some in-network contracts may offer rates that are not the lowest available option.
To minimize unexpected costs, patients should proactively ask the hospital about "self-pay" or "prompt-pay" discounts, which can reduce the bill by 20% to 50% if paid in full upfront. These discounts bypass the administrative overhead of insurance claims processing and provide immediate liquidity to the facility. Additionally, if you receive a bill from an out-of-network provider or for services like emergency care at an in-network facility, you may be protected from balance billing under the No Surprises Act. If you do receive a surprise bill, do not pay immediately; instead, dispute the charge with your insurer and request a formal audit to ensure compliance with federal protections. Always demand a detailed, itemized bill rather than accepting a summary invoice, as over 80% of hospital bills contain errors such as unbundled