CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Pender Community Hospital

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $3,108
Cash Discount Price: $2,795
vs. Medicare Baseline: 1.40x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at Pender Community Hospital is $3,108. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,795. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 1.40x the Medicare baseline. Located in 100 Hospital Drive, Po Box 100, Pender, NE.

Cash / Self-Pay

$2,795

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,108

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: $2,795 (126%)

Insurance Median: $3,108 (140%)

Cash: $2,795 (126% of Medicare)

Ins. Median: $3,108 (140% 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
UnitedHealthcare	$3,025	137%
Coventry	$3,091	140%
Nebraska Total Care	$3,124	141%
Blue Cross Blue Shield	$3,156	143%

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 $2,795.
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 Pender Community Hospital 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.