CMS Price Transparency Data

C-section delivery (full package)

Facility: Stevens Community Medical Center Inc

Billing Code: 59510 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59510
Insurance Median: $2,531
Cash Discount Price: $4,010
vs. Medicare Baseline: 1.02x Medicare

The contracted insurance negotiated median rate for a C-section delivery (full package) at Stevens Community Medical Center Inc is $2,531. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,010. Compared to the federal Medicare reimbursement reference rate of $2,473.27, this hospital’s rate is 1.02x the Medicare baseline. Located in 400 East First Street, Morris, MN.

Cash / Self-Pay

$4,010

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,531

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$2,473.27

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $2,473.27 (100%)

Cash / Self-Pay: $4,010 (162%)

Insurance Median: $2,531 (102%)

Cash: $4,010 (162% of Medicare)

Ins. Median: $2,531 (102% of 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.

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
Blue Cross Blue Shield	$1,446 - $3,316	58%
Triwest - All Plans	$2,011 - $2,165	81%
Humana	$2,031 - $2,187	82%
Medica Mcaid Mn Care	$2,277	92%
Medica Mcr Adv Mayo	$2,515	102%
UnitedHealthcare	$3,390 - $4,148	137%
Medica Ifb	$3,566	144%
Hpi Health Partners - All Plans	$4,133	167%
Medica Comm - All Other Plans	$4,213	170%

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 $4,010.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 59510.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Stevens Community Medical Center Inc is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 59510.
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.