Vaginal delivery (full package)
Facility: Amberwell Atchison Association
Billing Code: 59400 (CPT)
- CPT Billing Code: 59400
- Insurance Median: $2,766
- Cash Discount Price: $4,300
- vs. Medicare Baseline: 1.25x 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 |
|---|---|---|
| Superior Select Mcr Adv - All Plans | $224 | 10% |
| Humana | $224 - $2,064 | 10% |
| Triwest - All Plans | $1,324 - $1,513 | 60% |
| Ambetter / Centene | $2,053 - $2,346 | 93% |
| Aetna | $2,207 - $2,522 | 100% |
| Cigna | $2,207 - $2,522 | 100% |
| Oscar - All Plans | $3,010 - $3,440 | 136% |
| Centrus Health Direct - All Plans | $3,010 - $3,440 | 136% |
| Multiplan - All Plans | $3,130 - $3,577 | 141% |
| Blue Cross Blue Shield | $3,411 - $4,127 | 154% |
| Wppa Providrs Care - All Plans | $3,612 - $4,127 | 163% |
Consumer Guidance & Cost Commentary
For the vaginal delivery procedure (CPT 59400) at Amberwell Atchison Association in Atchison, KS, the cash median price is $4,300.00, which matches the facility's gross charge. This cash rate is significantly higher than the state average, as indicated by the Medicare benchmark ratio of 1.2, suggesting the facility's pricing is 20% above the federal baseline. While commercial insurance plans like Superior Select Mcr Adv offer a low end of $224, most in-network payers negotiate rates ranging from $2,207 to $4,127, which 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 amounts for many carriers are higher than the self-pay amount.
To minimize unexpected costs, patients should proactively request a "prompt-pay" discount or self-pay rate before scheduling, as these upfront payments can bypass the administrative overhead of insurance claims processing. It is also critical to avoid accepting summary bills; instead, patients should demand a full itemized audit to identify any unbundled codes or services not rendered, as over 80% of hospital bills contain errors. If a balance bill arises from an out-of-network service, patients should dispute the charge with their insurer under the No Surprises Act rather than paying immediately. Finally, verifying the specific negotiated rate with the hospital prior to arrival ensures that the patient understands the exact financial obligation, whether paying out-of-pocket or through insurance.