CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Howard County Medical Center

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $2,111
Cash Discount Price: $4,669
vs. Medicare Baseline: 0.95x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at Howard County Medical Center is $2,111. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,669. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 0.95x the Medicare baseline. Located in P O Box 406, 1113 Sherman St, St Paul, NE.

Cash / Self-Pay

$4,669

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,111

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: $4,669 (211%)

Insurance Median: $2,111 (95%)

Cash: $4,669 (211% of Medicare)

Ins. Median: $2,111 (95% 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
Humana	$1,751 - $2,060	79%
Aetna	$2,060	93%
Blue Cross Blue Shield	$2,060 - $9,944	93%
Great Plains	$2,060	93%
Medica Chi	$2,060	93%
Tricare	$2,060	93%
UnitedHealthcare	$2,060 - $7,372	93%
Medica Standard Premier	$2,088	94%
Medica Elevate	$2,101 - $4,092	95%
Nebraska Total Care - Wellcare	$2,122	96%
Molina Healthcare	$2,163	98%
Oscar Health	$3,605	163%
Ambetter / Centene	$4,120	186%
Beshp	$4,120	186%
Midland'S Choice	$4,301	194%

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 $4,669.
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 Howard County Medical Center 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.