CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Stevens Community Medical Center Inc

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $2,289
Cash Discount Price: $3,615
vs. Medicare Baseline: 1.03x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at Stevens Community Medical Center Inc is $2,289. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,615. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 1.03x the Medicare baseline. Located in 400 East First Street, Morris, MN.

Cash / Self-Pay

$3,615

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,289

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: $3,615 (163%)

Insurance Median: $2,289 (103%)

Cash: $3,615 (163% of Medicare)

Ins. Median: $2,289 (103% 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
Blue Cross Blue Shield	$1,303 - $2,990	59%
Triwest - All Plans	$1,813 - $1,965	82%
Humana	$1,832 - $1,985	83%
Medica Mcaid Mn Care	$2,053	93%
Medica Mcr Adv Mayo	$2,283	103%
UnitedHealthcare	$3,076 - $3,740	139%
Medica Ifb	$3,215	145%
Hpi Health Partners - All Plans	$3,762	170%
Medica Comm - All Other Plans	$3,798	172%

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 $3,615.
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 Stevens Community Medical Center Inc 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.