CMS Price Transparency Data

C-section delivery (full package)

Facility: Mosaic Life Care at St Joseph

Billing Code: 59510 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59510
Insurance Median: $5,397
Cash Discount Price: $5,950
vs. Medicare Baseline: 2.18x Medicare

The contracted insurance negotiated median rate for a C-section delivery (full package) at Mosaic Life Care at St Joseph is $5,397. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $5,950. Compared to the federal Medicare reimbursement reference rate of $2,473.27, this hospital’s rate is 2.18x the Medicare baseline. Located in 5325 Faraon Street, Saint Joseph, MO.

Cash / Self-Pay

$5,950

Average discount available for prompt cash payment at this facility.

Insurance Median

$5,397

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: $5,950 (241%)

Insurance Median: $5,397 (218%)

Cash: $5,950 (241% of Medicare)

Ins. Median: $5,397 (218% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 218% of the Medicare baseline (a markup of 118%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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
Amerigroup Of Iowa	$1,551	63%
Iowa Total Care	$1,551	63%
Molina Of Iowa	$1,551	63%
Aetna	$1,925 - $5,789	78%
Medicaid / KanCare	$1,925	78%
UnitedHealthcare	$1,925 - $9,870	78%
Blue Cross Blue Shield	$2,409 - $6,076	97%
Centurion	$2,800 - $4,900	113%
Geha Shared Services	$4,567 - $5,684	185%
Ambetter / Centene	$4,713	191%
Freedom Select Healthlink	$4,829 - $6,010	195%
Healthlink Open Access	$4,829 - $6,010	195%
Preferred Health Professional	$4,829 - $6,010	195%
Sisco	$4,829 - $6,010	195%
Cigna	$4,949 - $6,160	200%
Multiplan	$6,081 - $6,300	246%
Home State Of Missouri	$10,150	410%
Healthy Blue Of Missouri	$12,460	504%

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 $5,950.
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 Mosaic Life Care at St Joseph 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.