CMS Price Transparency Data

Hip or knee replacement (inpatient stay)

Facility: Charlotte Hungerford Hospital

Billing Code: 470 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 470
Insurance Median: $11,043
Cash Discount Price: $48,116
vs. Medicare Baseline: 0.79x Medicare

The contracted insurance negotiated median rate for a Hip or knee replacement (inpatient stay) at Charlotte Hungerford Hospital is $11,043. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $48,116. Compared to the federal Medicare reimbursement reference rate of $14,044.15, this hospital’s rate is 0.79x the Medicare baseline. Located in 540 Litchfield St, Torrington, CT.

Cash / Self-Pay

$48,116

Average discount available for prompt cash payment at this facility.

Insurance Median

$11,043

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$14,044.15

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $14,044.15 (100%)

Cash / Self-Pay: $48,116 (343%)

Insurance Median: $11,043 (79%)

Cash: $48,116 (343% of Medicare)

Ins. Median: $11,043 (79% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $14,044.15 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
United	$5,920 - $8,851	42%
Blue Cross Blue Shield	$8,851 - $17,350	63%
Health New England	$8,851	63%
Molina Dba Connecticare	$8,851 - $18,189	63%
Tufts	$8,851	63%
Wellcare	$9,028	64%
Aetna	$9,073 - $28,569	65%
Cigna	$15,125	108%

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 $48,116.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify MS-DRG Code matches exactly: 470.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Charlotte Hungerford Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for MS-DRG code 470.
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.