CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Cheshire Medical Center

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $5,209
Cash Discount Price: $2,515
vs. Medicare Baseline: 2.35x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at Cheshire Medical Center is $5,209. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,515. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 2.35x the Medicare baseline. Located in 580 Court Street, Keene, NH.

Cash / Self-Pay

$2,515

Average discount available for prompt cash payment at this facility.

Insurance Median

$5,209

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: $2,515 (114%)

Insurance Median: $5,209 (235%)

Cash: $2,515 (114% of Medicare)

Ins. Median: $5,209 (235% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 235% of the Medicare baseline (a markup of 135%). 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
Amerihealth Caritas Nh	$828 - $1,402	37%
Wellsense Health Plan	$932 - $2,457	42%
Granite State Health Plan	$1,130 - $1,913	51%
Harvard Pilgrim Health Care Of Ne	$1,441 - $5,209	65%
Aetna	$2,331 - $7,836	105%
Ambetter / Centene	$2,457	111%
Blue Cross Blue Shield	$2,457 - $9,101	111%
Cigna	$2,457 - $6,492	111%
Martin'S Point Generations Advantage	$2,457	111%
Martin'S Point Health Care	$2,457	111%
Mvp	$2,457 - $6,492	111%
UnitedHealthcare	$2,457 - $8,695	111%
Wellcare Health Plans	$2,457	111%
Maine Community Health Options	$3,045 - $5,155	138%
Tufts Health Plan	$4,319 - $7,312	195%
Mass General Brigham Health Plan	$5,569 - $11,456	251%
First Health/Hcvm	$5,752 - $9,738	260%
Phcs	$6,090 - $10,310	275%

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 $2,515.
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 Cheshire 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.