CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Memorial Health Care Systems

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $1,967
Cash Discount Price: $4,690
vs. Medicare Baseline: 0.89x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at Memorial Health Care Systems is $1,967. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,690. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 0.89x the Medicare baseline. Located in 300 North Columbia Ave, Seward, NE.

Cash / Self-Pay

$4,690

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,967

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: $4,690 (212%)

Insurance Median: $1,967 (89%)

Cash: $4,690 (212% of Medicare)

Ins. Median: $1,967 (89% 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
Molina Mcaid-All Plans	$1,853	84%
Ne Total Care Mcaid-All Plans	$1,853	84%
UnitedHealthcare	$1,853 - $4,033	84%
Beshp Mcr Adv - All Plans	$1,947	88%
Blue Cross Blue Shield	$1,947 - $4,690	88%
Medica Mcare Cost	$1,947	88%
Medica Mcr Adv	$1,947	88%
Tricare	$1,947	88%
Wellcare Mcr Adv - All Plans	$1,986	90%
Medica Comm-All Other Plans	$2,088	94%
Medica Elevate	$2,088	94%
Midlands Choice-All Plans	$4,301	194%
Phcs Ppo-All Plans	$4,456	201%
Aetna	$4,596	208%

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 $4,690.
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 Memorial Health Care Systems 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.