CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Munson Healthcare Otsego Memorial Hospital

Billing Code: 59400 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$2,502

about 1.1× the $2,214 Medicare rate · typically $1,868–$2,708

modeled estimate · not a bill or quote

What this hospital charges insurers

$2,213

Below the fair price — a good deal

about $289 under the fair price · 1.0× Medicare

Medicare pays $2,214 Fair price $2,502 This hospital $2,213

How we calculate the fair BaseRate →

How this hospital compares to other MI hospitals

Highest price of the 9 MI hospitals we have prices for — worth calling around.

Cheapest $1,080 Priciest $2,213

Black dot = this hospital, among the 9 MI hospitals with a price for this procedure. Full list below.

A fair price for a Vaginal delivery (full package) is about $2,502 (about 1.1× the $2,214 Medicare rate). Munson Healthcare Otsego Memorial Hospital charges insurers about $2,213 — below the fair price — a good deal. Located in Gaylord, MI.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

5 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Cigna✓ Humana Kaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$1,153 - $2,221	52%
Blue Cross Blue Shieldmajor	$641 - $3,505	29%
Aetnamajor	$2,227	101%
Cignamajor	$2,471 - $3,423	112%
Humanamajor	$2,205	100%
Meridian	$1,153 - $2,221	52%
Molina	$1,153 - $2,381	52%
Priority Health	$1,153 - $3,423	52%
+ 7 smaller / regional plans	$1,153 - $3,748

Government programs also on file: Medicare.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price, before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 59400.

Insurance Before you use insurance

Call your insurance company to confirm Munson Healthcare Otsego Memorial Hospital is in-network.
Ask your insurer whether prior approval is required for CPT code 59400.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at Munson Healthcare Otsego Memorial Hospital

Compare: Vaginal delivery (full package) at other MI hospitals

Mercy Health Saint Mary's · Grand Rapids $1,080
Trinity Health Muskegon Hospital · Muskegon $1,080
Trinity Health Oakland Hospital · Pontiac $1,192
Trinity Health Ann Arbor Hospital · Ann Arbor $1,192
Hurley Medical Center · Flint $1,400
St Joe Mercy Hospital System Livonia · Livonia $1,522
Spectrum Health · Grand Rapids $1,820
Corewell Health Zeeland Hospital · Zeeland $2,139

Insurance negotiated median for the same procedure, sorted lowest first.