CMS Price Transparency Data

C-section delivery (full package)

Facility: Charleston Area Medical Center

Billing Code: 59510 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59510
Insurance Median: $2,702
Cash Discount Price: $7,876
vs. Medicare Baseline: 1.09x Medicare

The contracted insurance negotiated median rate for a C-section delivery (full package) at Charleston Area Medical Center is $2,702. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $7,876. Compared to the federal Medicare reimbursement reference rate of $2,473.27, this hospital’s rate is 1.09x the Medicare baseline. Located in 501 Morris Street, Charleston, WV.

Cash / Self-Pay

$7,876

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,702

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$2,473.27

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $2,473.27 (100%)

Cash / Self-Pay: $7,876 (318%)

Insurance Median: $2,702 (109%)

Cash: $7,876 (318% of Medicare)

Ins. Median: $2,702 (109% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $2,473.27 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
Aetna	$2,089 - $2,573	84%
The Health Plan Of West Virginia Inc.	$2,089 - $4,117	84%
Unicare Health Plan Of West Virginia Inc.	$2,089	84%
Triwest Va	$2,496	101%
Blue Cross Blue Shield	$2,573 - $2,684	104%
Choicecare Network	$2,573 - $3,184	104%
Optimum Choice Inc.	$2,573	104%
UnitedHealthcare	$2,573 - $2,650	104%
West Virginia Senior Advantage Inc.	$2,702	109%
City Of Charleston	$3,345	135%
Naphcare	$3,525	143%
Integrated Medical Solutions	$3,731	151%
Caresource	$3,860	156%
Tricare	$4,726	191%
Three Rivers Providers Network	$7,640	309%
Healthsmart	$7,718	312%
Multiplan	$7,718	312%
Cigna	$7,797	315%

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 $7,876.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 59510.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Charleston Area Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 59510.
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.