CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Baylor Scott & White Medical Center - Temple

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $2,457
Cash Discount Price: $2,680
vs. Medicare Baseline: 1.11x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at Baylor Scott & White Medical Center - Temple is $2,457. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,680. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 1.11x the Medicare baseline. Located in 2401 S 31St St, Temple, TX.

Cash / Self-Pay

$2,680

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,457

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: $2,680 (121%)

Insurance Median: $2,457 (111%)

Cash: $2,680 (121% of Medicare)

Ins. Median: $2,457 (111% 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
Superior Health Plan	$670	30%
Texas Workforce Commission	$1,564	71%
Baylor Scott & White Health Plan	$1,625 - $1,912	73%
UnitedHealthcare	$1,982 - $2,202	90%
Cigna	$2,296 - $2,694	104%
Aetna	$2,457	111%
Employers Health Network	$2,457	111%
Midcoast	$2,457	111%
Quiktrip	$2,457	111%
University Of Mary Hardin-Baylor	$2,591	117%
Independent Medical System	$2,680	121%
Imagine Health	$2,798	126%
Curative	$2,904	131%
First Health	$3,127	141%
Healthsmart	$3,127 - $3,350	141%
Humana	$3,127 - $7,006	141%
Bluebell Creameries	$3,350	151%
Private Health Care System	$3,350	151%
Triwest	$3,350	151%
Three Rivers	$4,021	182%

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 $2,680.
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 Baylor Scott & White Medical Center - Temple 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.