CMS Price Transparency Data

Hip or knee replacement (inpatient stay)

Facility: Windham Community Memorial Hospital

Billing Code: 470 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 470
Insurance Median: $20,120
Cash Discount Price: $62,792
vs. Medicare Baseline: 1.43x Medicare

The contracted insurance negotiated median rate for a Hip or knee replacement (inpatient stay) at Windham Community Memorial Hospital is $20,120. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $62,792. Compared to the federal Medicare reimbursement reference rate of $14,044.15, this hospital’s rate is 1.43x the Medicare baseline. Located in 112 Mansfield Avenue, Willimantic, CT.

Cash / Self-Pay

$62,792

Average discount available for prompt cash payment at this facility.

Insurance Median

$20,120

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: $62,792 (447%)

Insurance Median: $20,120 (143%)

Cash: $62,792 (447% of Medicare)

Ins. Median: $20,120 (143% 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
Blue Cross Blue Shield	$12,791 - $31,916	91%
Health New England	$12,791	91%
Molina Dba Connecticare	$12,791 - $22,599	91%
Tufts	$12,791	91%
United	$12,791 - $36,531	91%
Wellcare	$13,047	93%
Aetna	$13,111 - $40,194	93%
Cigna	$20,120	143%

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 $62,792.
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 Windham Community Memorial 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.