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Fort Collins Loveland Area Hospital Prices

Cash and insurance-negotiated prices at hospitals in and around Fort Collins Loveland, CO. Part of all Colorado hospital prices.

Pillar 1 · The BaseRate™ CompositeHow 1.00× Fair BaseRate Works: Raw price averages unfairly penalize hospitals in high-wage cities or trauma centers treating sicker patients. We adjust for local CMS hospital wage levels and patient complexity first. A 1.00× score means right at the fair price average, 0.85× means 15% cheaper than fair market, and 1.30× means 30% above fair market.Above Fair Market · Negotiate
1.09×vs. Fair Market Price
Position vs. 1.00× Fair Price+9% Above Fair Price 1.00× (center of the bar) is the U.S. fair price average after accounting for local hospital wages and patient complexity. Left of center (<1.00×) is below fair price; right of center (>1.00×) is above fair price.

Typical commercial prices here are +9% above the fair benchmark (1.09×) even after accounting for local nurse/doctor wages and patient complexity.

Pillar 2 · VeriRate™ Data TrustHow VeriRate™ (0–100) Works: Hospitals are legally required to publish machine-readable price files, but some bury fake $0.01 numbers or omit cash discounts. VeriRate audits each file across 5 checks (hover any badge below to see what it tests).86/100 · Verified
86/100Hover Any Check Below to See How Prices Were Audited
File Completeness90Provenance (File Completeness): Checks whether the hospital published a complete, up-to-date machine-readable price file with valid CPT and MS-DRG billing codes instead of leaving blanks.
Price Logic88Coherence (Price Logic): Checks whether the hospital’s numbers make basic sense — e.g., self-pay cash price is lower than gross list price, with no fake $0.01 or $999,999 placeholder numbers.
Peer Alignment86Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing83Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount84Cash Honesty (Real Cash Discount): Checks whether the hospital offers a genuine self-pay cash discount that beats or matches commercial insurance rates instead of billing full sticker price.
Pillar 3 · Colorado Market & Best ValueSummarizes statewide hospital price coverage across Colorado, the average commercial markup over federal Medicare rates, and the #1 best-value hospital in the state.3 Hospitals · 122 Procedures
Hospitals Priced3 in COTotal hospitals in Colorado with verified machine-readable price disclosures indexed in the Crystal.
Avg vs. Medicare1.4× MedicareAverage commercial insurance negotiated rate across Colorado hospitals compared to what federal Medicare pays for the same procedure.
Best Value in CO1.09× FairLowest confounder-adjusted hospital in Colorado: Medical Center of the Rockies (Loveland) at 1.09× fair market price.

Most affordable Colorado hospital: Medical Center of the Rockies (Loveland) at 1.09× the fair price (1% below benchmark).

Behavioral Pricing FingerprintHigh Insurer Rate · Deep Cash Discount

Cash-Arbitrage Bifurcated Pricer

Medical Center of the Rockies maintains elevated commercial insurance contracts (1.09× Fair BaseRate) while offering direct self-pay cash discounts that beat commercial negotiated medians on 44% of procedures. High-deductible and uninsured patients should always request the self-pay cash rate prior to billing.

#23 of 64 in CO · 34th State Percentile#1,642 of 3,385 in U.S. · 48th National Percentile
Advantage

Where They're Good (Patient & Payer Edge)

  • Bottom-quartile procedures (Q25) price at 0.93× the peer BaseRate benchmark
  • Self-pay cash beats commercial insurance on 44% of shoppable procedures (99/100 Cash Honesty)
  • 5-Star CMS clinical rating with 82% patient recommendation (80/100 safety score)
  • IRS 501(c)(3) charity care provides free care up to 200% FPL and discounted care up to 400% FPL (55.8% AGB cap)
Watchout

Where You Can Get Burned (Markup Traps)

  • Even at low-cost facilities (1.09× Fair BaseRate), out-of-network or unnegotiated chargemaster bills can exceed commercial medians — confirm in-network status or request a self-pay cash quote up front.
  • Commercial insurance median sits at 0.98× Fair BaseRate (1.4× Medicare), so insured patients should always compare the self-pay cash price before paying.
  • Upper-quartile procedures (Q75 1.31×) jump +34% above the median procedure ratio (Q50 0.98×)
  • Consolidated metro market (HHI 3,751) limits in-network hospital competition (Highly Concentrated Monopoly (>2,500))
Front-Door ShoppableElective / Imaging
1.4× Medicare

Pre-scheduled outpatient procedures where patients can comparison-shop.

Back-Door Captive & ER0.79× Divergence
1.1× Medicare

Emergency, inpatient DRG, lab, and specialty drug lines billed after admission.

Quantile Tail Spread+34% Upper Tail
Q25 0.93× · Q50 0.98× · Q75 1.31×

Detects median-gaming when upper-quartile codes spike above the p50 median.

Select any lens to inspect department markups, federal cost accounting, or insurer discounts.
Department & Integrity Multiples (vs. CMS Medicare Cost Anchor) Green ≤1.3× · Teal 1.3–1.8× · Amber 1.8–2.5× · Rose >2.5×
Front-Door Shoppable CareFront-Door Shoppable
1.4× MedicareGood
Outpatient Surgery & ORBack-Door Captive
0.6× MedicareGood
Diagnostic Imaging (CT/MRI)Front-Door Shoppable
1.8× MedicareGood
Back-Door Captive ER VisitsBack-Door Captive
1.0× MedicareGood
Inpatient Lab & PathologyBack-Door Captive
3.4× MedicareElevated
Specialty & Infusion Drugs (J-Codes)Back-Door Captive
0.6× MedicareGood
Self-Pay Cash Honesty & 501(r)Integrity & Outcomes
44% Cash Edge · 99/100Good
CMS Clinical Safety & Star ValueIntegrity & Outcomes
5 CMS · 80/100Good

Hospitals in the Fort Collins Loveland area

Ranked by how their prices compare to the fair BaseRate — best value first. The × fair figure is geo-adjusted. Tap any hospital for its full price list.

Compare prices by procedure in Fort Collins Loveland

Local prices across Fort Collins Loveland-area hospitals for 122 procedures.

Care-Setting Arbitrage, Bilateral SVD Insurer Leverage & Regional Alternatives

How to Pay Less Nearby: Freestanding Centers, Insurer Leverage & Outpatient Savings

Inpatient MS-DRG vs. Outpatient CPT Care-Setting Savings

Left Heart Diagnostic Cardiac CatheterizationDRG 247 vs CPT 93458
Inpatient: $36,303Outpatient: $10,360 Save $25,942 outpatient

Clinical Scope Note:Inpatient MS-DRG reflects a multi-day hospital admission (room, nursing, higher clinical acuity); outpatient CPT reflects the outpatient facility fee for clinically eligible low-acuity patients and excludes separate surgeon and anesthesia professional fees.

Posterior Lumbar Interbody Spinal FusionDRG 460 vs CPT 22612
Inpatient: $57,576Outpatient: $33,198 Save $24,377 outpatient

Clinical Scope Note:Inpatient MS-DRG reflects a multi-day hospital admission (room, nursing, higher clinical acuity); outpatient CPT reflects the outpatient facility fee for clinically eligible low-acuity patients and excludes separate surgeon and anesthesia professional fees.

Total Hip Arthroplasty (Replacement)DRG 470 vs CPT 27130
Inpatient: $39,621Outpatient: $18,582 Save $21,039 outpatient

Clinical Scope Note:Inpatient MS-DRG reflects a multi-day hospital admission (room, nursing, higher clinical acuity); outpatient CPT reflects the outpatient facility fee for clinically eligible low-acuity patients and excludes separate surgeon and anesthesia professional fees.

Total Knee Arthroplasty (Replacement)DRG 470 vs CPT 27447
Inpatient: $39,621Outpatient: $18,780 Save $20,842 outpatient

Clinical Scope Note:Inpatient MS-DRG reflects a multi-day hospital admission (room, nursing, higher clinical acuity); outpatient CPT reflects the outpatient facility fee for clinically eligible low-acuity patients and excludes separate surgeon and anesthesia professional fees.

Laparoscopic Gallbladder RemovalDRG 419 vs CPT 47562
Inpatient: $25,330Outpatient: $10,682 Save $14,648 outpatient

Clinical Scope Note:Inpatient MS-DRG reflects a multi-day hospital admission (room, nursing, higher clinical acuity); outpatient CPT reflects the outpatient facility fee for clinically eligible low-acuity patients and excludes separate surgeon and anesthesia professional fees.

Prices are sourced from each hospital's federally-required public price file, most recently published October 2026. The BaseRate is a modeled fair-price estimate — not a bill or quote. How we build these numbers →