CMS Price Transparency Data

Vaginal delivery (full package)

Facility: McLaren Port Huron

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $2,260
Cash Discount Price: $3,809
vs. Medicare Baseline: 1.02x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at McLaren Port Huron is $2,260. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,809. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 1.02x the Medicare baseline. Located in 1221 Pine Grove Ave, Port Huron, MI.

Cash / Self-Pay

$3,809

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,260

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$2,214.42

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $2,214.42 (100%)

Cash / Self-Pay: $3,809 (172%)

Insurance Median: $2,260 (102%)

Cash: $3,809 (172% of Medicare)

Ins. Median: $2,260 (102% of 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.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Mclaren Commercial Ins	$2,043	92%
Humana	$2,205	100%
Medicare (plans)	$2,205 - $2,271	100%
Medicaid / KanCare	$2,221 - $2,310	100%
U Of M Health Plan	$2,536	115%
UnitedHealthcare	$2,648	120%
Aetna	$2,800	126%
Priority Health	$3,400	154%
Blue Cross Blue Shield	$3,505	158%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $3,809.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 59400.

Insurance In-Network Protection Plan

Contact your insurance company to confirm McLaren Port Huron is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 59400.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.