CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Black River Memorial Hospital

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $2,164
Cash Discount Price: $8,130
vs. Medicare Baseline: 0.98x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at Black River Memorial Hospital is $2,164. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $8,130. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 0.98x the Medicare baseline. Located in 711 W Adams St, Black River Falls, WI.

Cash / Self-Pay

$8,130

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,164

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: $8,130 (367%)

Insurance Median: $2,164 (98%)

Cash: $8,130 (367% of Medicare)

Ins. Median: $2,164 (98% 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
Blue Cross Blue Shield	$447 - $2,164	20%
My Choice Wisconsin, Inc.	$447 - $1,149	20%
Quartz Health Solutions, Inc	$447 - $8,220	20%
Security Health Plan	$447 - $7,565	20%
The Alliance	$447 - $7,678	20%
UnitedHealthcare	$447 - $8,762	20%
Group Health Cooperative Of Eau Claire	$1,034 - $8,762	47%
Multiplan	$1,341 - $8,762	61%
Humana	$2,102 - $8,401	95%
Corvel	$5,510	249%
Triology Health Solutions	$8,130 - $8,581	367%
Medica	$8,437	381%
Association Benefits Solution	$8,581	388%
Family Health Center Of Marshfield	$8,581	388%
First Health Group Corporation	$8,581	388%
Provider Network Of America	$8,581	388%
Cigna	$8,762	396%
Cofinity	$8,762	396%
Coventry Health Care	$8,762	396%
Custom Benefit Administrators	$8,762	396%
Healthpartners, Inc.	$8,762	396%
Wisconsin Physicians Service Insurance Corp	$8,762	396%
Chorus	$8,852	400%

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 $8,130.
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 Black River Memorial 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.