CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Charleston Area Medical Center

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $2,684
Cash Discount Price: $7,100
vs. Medicare Baseline: 1.21x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at Charleston Area Medical Center is $2,684. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $7,100. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 1.21x the Medicare baseline. Located in 501 Morris Street, Charleston, WV.

Cash / Self-Pay

$7,100

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,684

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: $7,100 (321%)

Insurance Median: $2,684 (121%)

Cash: $7,100 (321% of Medicare)

Ins. Median: $2,684 (121% 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
Aetna	$1,869 - $2,284	84%
The Health Plan Of West Virginia Inc.	$1,869 - $3,654	84%
Unicare Health Plan Of West Virginia Inc.	$1,869	84%
Triwest Va	$2,215	100%
Blue Cross Blue Shield	$2,284 - $2,684	103%
Choicecare Network	$2,284 - $2,848	103%
Optimum Choice Inc.	$2,284	103%
UnitedHealthcare	$2,284 - $2,352	103%
West Virginia Senior Advantage Inc.	$2,398	108%
City Of Charleston	$2,969	134%
Naphcare	$3,129	141%
Integrated Medical Solutions	$3,311	150%
Caresource	$3,425	155%
Tricare	$4,260	192%
Three Rivers Providers Network	$6,887	311%
Healthsmart	$6,958	314%
Multiplan	$6,958	314%
Cigna	$7,029	317%

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 $7,100.
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 Charleston Area 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.