C-section delivery (full package)
Facility: Children'S Mercy South
Billing Code: 59510 (CPT)
- CPT Billing Code: 59510
- Insurance Median: $3,435
- Cash Discount Price: $3,770
- vs. Medicare Baseline: 1.39x 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 | $2,021 - $4,456 | 82% |
| Healthy Blue | $2,156 - $2,485 | 87% |
| Medicaid / KanCare | $2,175 | 88% |
| Home State Health | $2,485 | 100% |
| Blue Cross Blue Shield | $2,579 - $3,339 | 104% |
| Quiktrip | $2,694 | 109% |
| Healthlink | $2,907 | 118% |
| Wppa Providrs Care | $3,020 | 122% |
| Aetna | $3,435 - $4,038 | 139% |
| Multiplan | $3,480 | 141% |
| Health Midwest Comprehensive Care | $3,521 | 142% |
| American Healthcare Alliance | $3,844 | 155% |
| Cigna | $4,148 | 168% |
| Humana | $4,328 | 175% |
| Coventry Health Care Of Kansas | $4,341 | 176% |
| Orscheln | $4,375 | 177% |
| Nebraska Furniture Mart | $4,482 | 181% |
| Medica | $4,579 | 185% |
| Wellfit/Centrus | $4,868 | 197% |
| Centivo | $5,014 | 203% |
| Mercy Health | $5,734 | 232% |
| Coxhealth Network | $5,813 | 235% |
| National Preferred Provider Network | $6,912 | 279% |
Consumer Guidance & Cost Commentary
For C-section delivery at Children's Mercy South in Overland Park, Kansas, the cash price of $3,770 is significantly lower than the facility's gross charge of $7,855 and the median negotiated rate of $3,435 paid by insurers. While commercial payers like UnitedHealthcare and Healthy Blue negotiate rates ranging from $2,021 to $4,456, the cash price remains competitive and often represents a better value for patients with high-deductible plans who may not yet have met their coverage thresholds. It is important to note that while the No Surprises Act protects patients from balance billing for out-of-network emergency services at in-network facilities, patients should still verify their specific plan details and ask the hospital directly about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront fees can reduce the final cost by 20% to 50%.
When reviewing your final invoice, always request a detailed, itemized bill rather than accepting a summary statement that obscures individual charges. Over 80% of hospital bills contain errors, such as unbundled codes or services not rendered, which can lead to unexpected debt. To ensure accuracy, compare the facility's Medicare amount of $2,473 against the commercial rates; while commercial negotiated rates often average 200% to 300% of Medicare, fair pricing is typically defined as 120% to 150%. If you receive a bill that seems excessive, dispute it in writing with the billing supervisor rather than paying immediately or signing away your rights via consent waivers, as this is the most effective way to reduce medical debt.