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Childbirth Cost in Indiana (2026 Price Guide)

What does a childbirth cost in Indiana?

You could pay $636 or $1,809 for the same childbirth in Indiana — depending entirely on which facility you choose. The median cash price across 62 reporting hospitals is $970. This data comes directly from hospital price transparency files published under federal law.

How prices are distributed across Indiana hospitals:
  • Bottom 25% of hospitals: under $566
  • Median: $970
  • Above median (top 30%): $1,809+

That's a 3× spread for the same procedure — driven entirely by which facility you choose, not by clinical complexity.

Example — two patients in Fort Wayne:
  • Patient A (high-cost facility): ~$1,809
  • Patient B (lower-cost facility): ~$636
Same procedure. Same week. $1,173 difference.

Cheapest Childbirth Providers in Indiana

Based on declared cash/self-pay prices from CMS hospital price transparency files.

# Facility City Price vs Median
2 Naab Road Surgery Center IN $552 -$418
3 Carmel AmbSurg IN $552 -$418
4 Endo Surgery Center IN $552 -$418
5 St. Vincent Anderson Regional Hospital, Inc. IN $552 -$418
6 St. Vincent Randolph Hospital, Inc. IN $552 -$418
7 St. Joseph Hospital & Health Center, Inc. IN $552 -$418
8 St. Vincent Madison County Health System, Inc. IN $552 -$418
9 St. Vincent Salem Hospital, Inc. IN $552 -$418

Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.

The facility you choose matters more than almost anything else — the same procedure, same quality, same state can cost 5× more at one hospital versus the one down the road.

→ Compare all procedure costs   → Childbirth costs nationwide

Check YOUR hospital's pricing → Estimate YOUR exact cost →

Worth knowing: A small number of hospitals report very high prices above $5,314, which pulls the overall range wider than what most patients encounter. The typical range above is a better guide for planning.
Every hospital in this dataset offers a cash price — with a median of $970. If your deductible hasn't been met, always ask for the self-pay rate before scheduling.

What you'll actually pay — example scenarios

Your situation Estimated out-of-pocket
Deductible not yet met (pay in full) ~$970
Deductible met — 20% coinsurance ~$194
Out-of-network provider $2,134+

Based on the state median of $970. Your actual cost depends on your plan deductible, coinsurance rate, and network tier. Get YOUR personalized estimate →

What this means for you

If you haven't met your deductible, you are effectively a cash-pay patient.

That means:

  • You should shop prices directly — the same way you'd compare any major purchase
  • Insurance may not get you a better deal than the cash price
  • The cheapest facility can save you $433+ vs. the median.

This is the single biggest lever most patients have to reduce their cost.

Lower-cost options in Indiana start around $566 or below. Most hospitals cluster between $566 and $2,465. A smaller group reports prices above that — often academic medical centers or high-cost markets.

If you're comparing specific hospitals, the lowest self-pay rates reported in this dataset include: Hendricks Regional Health in Danville (cash price from $537); Indiana University Health Ball Memorial Hospital Inc. in Muncie (cash price from $620); ELKHART GENERAL HOSPITAL in Elkhart (cash price from $657). These are declared cash prices — contact each facility for a formal quote before scheduling.

Where childbirth costs vary in Indiana

Each pin represents a hospital that filed price transparency data. Green pins are below the state cash-price average; red are above. Click any pin for facility name and price details.

Below state avg Above state avg Click a pin for facility details.

Estimate YOUR exact out-of-pocket cost →

Quick decision guide:
  • Best value hospitals (lowest prices): Hendricks Regional Health: $537; Naab Road Surgery Center: $552; Carmel AmbSurg: $552
  • Most expensive: Jackson County Schneck Memorial Hospital: ~$6,580; Parkview Wabash Hospital, Inc: ~$6,440

→ Choosing the right facility can save $433+ vs. the state median.

Indiana Childbirth prices by facility

All prices below come from hospital chargemasters — the official price lists each hospital must publish under federal law. Gross charge is the undiscounted list price; cash price is the self-pay rate; negotiated range covers the spread across insurance contracts.

How we calculate "Your Price" — We prioritize the most actionable price in this order:
  1. Cash price — the self-pay rate you can actually negotiate and pay
  2. Negotiated rate — if reported by the hospital across insurance contracts
  3. Gross charge — fallback only; this is the inflated list price few people pay

This reflects the real prices patients encounter — not inflated chargemaster rates.

# Facility City Your Price vs Median Gross Charge
#1 Hendricks Regional Health Danville, IN $537 -$433 $161–$3,953
#2 Naab Road Surgery Center IN $552 -$418 $118–$2,671
#3 Carmel AmbSurg IN $552 -$418 $118–$2,671
#4 Endo Surgery Center IN $552 -$418 $118–$2,671
#5 St. Vincent Anderson Regional Hospital, Inc. IN $552 -$418 $118–$2,671
#6 St. Vincent Randolph Hospital, Inc. IN $552 -$418 $118–$2,671
#7 St. Joseph Hospital & Health Center, Inc. IN $552 -$418 $118–$2,671
#8 St. Vincent Madison County Health System, Inc. IN $552 -$418 $122–$2,603
#9 St. Vincent Salem Hospital, Inc. IN $552 -$418 $122–$2,603
#10 St. Vincent Carmel Hospital, Inc. IN $552 -$418 $122–$2,603
#11 Central Indiana Health System Cardiac Services, Inc. IN $552 -$418 $122–$2,603
#12 St. Vincent Fishers Hospital, Inc. IN $552 -$418 $122–$2,603
#13 St. Mary's Health, Inc. IN $552 -$418 $122–$2,603
#14 HARRISON COUNTY HOSPITAL IN $561 -$409 $150–$6,059
#15 DAVIESS COMMUNITY HOSPITAL IN $564 -$406 $134–$4,632
▼ Show 47 more Indiana hospitals
#16 Witham Memorial Hospital IN $565 -$405 $657–$3,658
#17 JOHNSON MEMORIAL HOSPITAL FRANKLIN IN $571 -$399 $230–$7,273
#18 Indiana University Health Ball Memorial Hospital Inc. Muncie, IN $620 -$350 $105–$7,631
#19 Marion General Hospital IN $627 -$343 $125–$37,526
#20 ELKHART GENERAL HOSPITAL Elkhart, IN $657 -$313 $381–$8,310
#21 Indiana University Health Bloomington Inc. Bloomington, IN $720 -$250 $105–$7,631
#22 Indiana University Health Arnett Inc. Lafayette, IN $731 -$239 $105–$7,631
#23 Parkview Logansport Hospital Logansport, IN $773 -$197 $152–$6,849
#24 Indiana University Health Inc. Indianapolis, IN $830 -$140 $105–$7,631
#25 Indiana University Health North Hospital Inc. Carmel, IN $830 -$140 $105–$7,631
#26 Indiana University Health West Hospital Inc. Avon, IN $830 -$140 $105–$7,631
#27 Rush Memorial Hospital IN $833 -$137 $1,111–$1,671
#28 Indiana University Health Bedford Inc. Bedford, IN $835 -$135 $105–$7,631
#29 Indiana University Health White Memorial Hospital Inc. Monticello, IN $912 -$58 $105–$7,631
#30 Cameron Memorial Community Hospital Angola, IN $956 -$14 $137–$6,470
#31 Parkview Lagrange Hospital Lagrange, IN $965 -$5 $1,931–$18,942
#32 Henry Community Health IN $975 +$5 $1,393–$6,222
#33 The Methodist Hospitals, Inc. IN $1,044 +$74 $327–$3,025
#34 COMMUNITY HOSPITAL OF BREMEN INC Bremen, IN $1,044 +$74 $381–$12,663
#35 MEMORIAL HOSPITAL OF SOUTH BEND South Bend, IN $1,066 +$96 $242–$4,486
#36 Indiana University Health Tipton Hospital Inc. Tipton, IN $1,101 +$131 $105–$7,631
#37 Indiana University Health Paoli Inc. Paoli, IN $1,122 +$152 $105–$7,631
#38 Indiana University Health Frankfort Inc. Frankfort, IN $1,181 +$211 $105–$7,631
#39 Indiana University Health Jay Inc. Portland, IN $1,309 +$339 $105–$7,631
#40 Riverview Health Noblesville, IN $1,332 +$362 $639–$2,448
#41 ADAMS MEMORIAL HOSPITAL IN $1,671 +$701 $1,671–$3,051
#42 Sullivan County Community Hospital IN $1,678 +$708 $175–$5,903
#43 Norton Healthcare Indiana Inc Jeffersonville, IN $1,773 +$803 $1,773–$4,829
#44 Union Hospital Terre Haute Terre Haute, IN $1,825 +$855 $3,042–$14,373
#45 DECATUR COUNTY MEMORIAL HOSPITAL IN $1,915 +$945 $507–$7,711
#46 Northwest Indiana Hospital, LLC IN $2,425 +$1,455 $1,021–$9,007
#47 Union Hospital Clinton Clinton, IN $2,478 +$1,508 $4,130
#48 PUTNAM COUNTY HOSPITAL IN $2,607 +$1,637 $466–$3,068
#49 Uchicago Medicine Northwest Indiana Crown Point, IN $2,751 +$1,781 $4,585
#50 Norton HealthcareIndiana, Inc Scottsburg, IN $3,179 +$2,209 $3,179–$3,815
#51 Monroe Hospital IN $3,408 +$2,438 $1,147–$3,614
#52 Parkview Ortho Hospital Fort Wayne, IN $3,424 +$2,454 $3,424–$16,778
#53 Parkview Dekalb Hospital Auburn, IN $3,424 +$2,454 $3,424–$10,284
#54 Parkview Regional Medical Center Fort Wayne, IN $3,424 +$2,454 $3,424–$21,000
#55 Parkview Noble Hospital Kendallville, IN $3,424 +$2,454 $3,424–$15,154
#56 Parkview Whitley Hospital Columbia City, IN $3,424 +$2,454 $3,424–$16,615
#57 Parkview Huntington Hospital Huntington, IN $3,424 +$2,454 $3,424–$14,396
#58 PULASKI MEMORIAL HOSPITAL IN $3,453 +$2,483 $113–$9,446
#59 Goshen Hospital IN $4,970 +$4,000 $7,100–$47,102
#60 Greene County General Hospital IN $5,356 +$4,386 $375–$7,078
#61 Parkview Wabash Hospital, Inc Wabash, IN $6,440 +$5,470 $6,440–$20,784
#62 Jackson County Schneck Memorial Hospital IN $6,580 +$5,610 $6,580–$13,810

Source: CMS hospital price transparency machine-readable files. vs Median = savings or premium relative to the state median price. Gross Charge = undiscounted list price for reference.

Received a bill? Check it for errors → Estimate YOUR cost before you go →

Compare other procedures in Indiana:

Where you can save the most on childbirth in Indiana

These facilities have the lowest declared prices relative to the state median — they represent the best opportunities to reduce your out-of-pocket cost for this procedure.

Facility City Your Price vs Median
Hendricks Regional Health Danville, IN $537 -$433
Naab Road Surgery Center IN $552 -$418
Carmel AmbSurg IN $552 -$418
Endo Surgery Center IN $552 -$418
St. Vincent Anderson Regional Hospital, Inc. IN $552 -$418

How to choose a lower-cost facility

  • Choose independent outpatient centers when possible — freestanding ASCs (ambulatory surgical centers) consistently charge less than hospital outpatient departments for identical procedures.
  • Ask for the cash price if your deductible isn't met — self-pay rates are often lower than what insurance pays before your deductible is satisfied, especially at facilities that have a high cash-price discount.
  • Avoid hospital outpatient departments for routine cases — hospital-owned locations add a facility fee that freestanding centers don't charge, often adding $500–$1,500 to the same procedure.
Important: Many procedures are done at ambulatory surgical centers (ASCs) that are often 30–60% cheaper than hospital outpatient departments with the same clinical quality. Most ASCs are not in this hospital dataset — meaning your cheapest option may not even appear here. Ask your doctor if the procedure can be done at a freestanding ASC.

Most expensive childbirth providers in Indiana

These facilities report the highest prices for this procedure. Academic medical centers and specialty hospitals often top this list — their gross charges rarely reflect what anyone actually pays, but understanding the spread helps you negotiate.

Facility City Price vs Median
Jackson County Schneck Memorial Hospital IN $6,580 +$5,610
Parkview Wabash Hospital, Inc Wabash, IN $6,440 +$5,470
Greene County General Hospital IN $5,356 +$4,386
Goshen Hospital IN $4,970 +$4,000
PULASKI MEMORIAL HOSPITAL IN $3,453 +$2,483

Why prices vary this much

A small number of hospitals (3) report very high prices above $5,314, which drives much of the overall price range. Excluding these, most facilities cluster in a significantly tighter band.

The spread comes from how each hospital sets its chargemaster (the undiscounted list price), what cash discounts it applies, and what rates it negotiates with each insurer. Facility classification matters too — a hospital-owned outpatient center adds a facility fee that a freestanding clinic does not. Understanding these mechanics is the first step to paying less.

Learn more:
→ Allowed amount vs negotiated rate — what your EOB is really saying
→ How to read your medical bill
→ Why hospital prices are so hard to find — and what to do about it

How insurance changes what you actually pay

Hospital list prices are only part of the picture. What you pay out of pocket depends on your deductible, your plan's out-of-pocket maximum, whether the facility is in-network, and whether your plan classifies the visit as outpatient or inpatient. A lower gross charge doesn't guarantee a lower bill if the facility is out-of-network or adds facility fees your plan doesn't cover.

Understand your cost before you go:
→ Deductible vs out-of-pocket max
→ EOB vs medical bill — complete guide
→ How to stop medical bill problems before they start (in-network vs out-of-network)

Compare childbirth costs in nearby states

Explore all childbirth cost data

→ See childbirth costs across all states

CostKits compiles hospital price transparency data to help families make informed decisions. If you've received a bill for this procedure:
→ Analyze your medical bill for errors
→ How to negotiate your medical bills
→ Track and manage your healthcare costs (free account)

Other Procedure Costs in Indiana

Interested in understanding healthcare costs and managing your medical expenses?

About the Author

John Caruso, FSA, MAAA

Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.

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Published May 10, 2026 · Updated May 10, 2026

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