Skip to main content
States Procedures Methodology Search
CMS Price Transparency Data Hospital file updated: 2026-09-01

Hip or knee replacement (inpatient stay)

Facility: HCA Florida Gulf Coast Hospital

Billing Code: 470 (MS-DRG)

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.Near Fair BaseRate Benchmark
$17,575Fair BaseRate (0.99× Market)
Position vs. 1.00× Fair PriceRight at U.S. Average (0%) 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.

This hospital's typical commercial price is $17,432 compared to the $17,575 fair price benchmark.

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 · Clinical Quality & ER SpeedChecks whether higher hospital prices actually buy better clinical quality — combining CMS Star Ratings, hospital safety scores, and emergency room wait times.Regional Quality Benchmark
CMS Star Rating2/5 StarsOfficial CMS Overall Hospital Quality Star Rating (1 to 5 stars) summarizing mortality, safety of care, readmissions, and patient experience.
Safety Score42/100Composite patient safety score (0–100) derived from CMS hospital-acquired infection rates (CLABSI, CAUTI, MRSA, C. diff), surgical complications, and HCAHPS surveys.
Typical ER WaitNo ER DataMedian minutes patients spent in the emergency department before leaving from the visit, as reported to CMS Timely and Effective Care.

2-Star CMS clinical quality rating paired with 0.99× fair market pricing.

The BaseRate · fair price high confidence
A fair price for this
$17,575
about 1.3× the $14,044 Medicare rate · typically $16,516–$21,487
modeled estimate · not a bill or quote
What this hospital charges insurers
$17,432
About the fair price
about $143 under the fair price · 1.2× Medicare
Medicare pays $14,044 Fair price $17,575 This hospital $17,432

How we calculate the fair BaseRate →

How this hospital compares to other FL hospitals

Highest price of the 9 FL hospitals we have prices for — worth calling around.

Cheapest $9,376 Priciest $17,432

Black dot = this hospital, among the 9 FL hospitals with a price for this procedure. Full list below.

A fair price for a Hip or knee replacement (inpatient stay) is about $17,575 (about 1.3× the $14,044 Medicare rate). HCA Florida Gulf Coast Hospital charges insurers about $17,432 — about the fair price. Located in Panama City, FL.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

5 of 6 major insurers have a published price at this hospital

UnitedHealthcareBlue Cross Blue ShieldAetnaCignaHumana Kaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company Price range vs. Medicare
UnitedHealthcaremajor $7,876 - $49,006 56%
Blue Cross Blue Shieldmajor $16,006 - $42,278 114%
Aetnamajor $16,798 - $29,905 120%
Cignamajor $2,374 - $78,075 17%
Humanamajor $15,372 - $16,640 109%
AvMed $3,116 - $51,831 22%
Cigna HealthSpring $16,957 121%
Molina $2,201 - $16,798 16%
Oscar Health $21,932 156%
Simply Healthcare $18,820 134%
WellCare $17,036 121%
WellMed $15,530 111%
+ 11 smaller / regional plans $2,336 - $19,809
Government programs also on file: Military & VA.
Excludes 1 rental-network / third-party entry (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Insurance Before you use insurance

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

Enter your details and press estimate to compare.

Facility Profile & Credentials

  • Address: 449 W 23Rd St, Panama City, FL 32405
  • CMS Rating: 2 / 5 Stars
  • Ownership Type: Proprietary
  • Hospital Type: Acute Care Hospitals

Other Procedures at HCA Florida Gulf Coast Hospital

Compare: Hip or knee replacement (inpatient stay) at other FL hospitals

Insurance negotiated median for the same procedure, sorted lowest first.

Inline Bill X-Ray & 501(r) Calculator 501(c)(3) Nonprofit · Free Care ≤200% FPL · AGB Cap 36.3%

Audit a Bill or Quote at HCA Florida Gulf Coast Hospital (Zero PHI Required)

CMS CCN: 100242
MS-DRG 470
Fair BaseRate™ $17,575
Medicare Rate $14,044
Self-Pay Cash Request Quote
Insurer Median $17,432
Pre-filled with HCA Florida Gulf Coast Hospital’s charged/list benchmark
Screened against 2026 HHS Federal Poverty Guidelines
2026 FPL: $15,650 + $5,500 per additional person
Step 1 · 501(r) Charity Care Check 501(r) AGB Cap: $15,187 (274% FPL)

Statutory 501(r) AGB Cap Limits Bill to $15,187

At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (36.3% of gross = $15,187).

Step 2 · Cash vs. Insurance Arbitrage Request Prompt-Pay Quote

Compare Prompt-Pay Cash Rate Against Remaining Deductible

Ask HCA Florida Gulf Coast Hospital's billing desk for their written 45 CFR § 180 discounted self-pay cash price and Good Faith Estimate under the No Surprises Act.

Step 3 · Fair BaseRate Target +$24,262 Above Fair BaseRate

Negotiate Toward $17,575 Fair BaseRate ($14,044 Medicare)

Your bill ($41,837) is $24,262 above the denoised Fair BaseRate ($17,575) and 3.0× the $14,044 Medicare rate.

1-Click Factual Dispute Summary: Copy a citation-backed benchmark memo (with CMS CCN, MS-DRG code, Medicare reference, Fair BaseRate, and 26 U.S.C. § 501(r) calculations) to paste into patient-portal messages or billing appeals.
CMS Care Compare Public Quality Record

Clinical Quality, Patient Experience & Infection Benchmarks

CMS Overall2/5 Stars (2/5)

Source: CMS Hospital Care Compare. Clinical quality metrics summarize historical facility-wide cohorts and are not medical advice for individual care decisions.

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

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

45 CFR § 180 Primary-Source Lineage & Federal Verification Verified CMS CCN 100242

Verify the Raw Data: Official Hospital MRF, CMS Medicare.gov & Federal Filings

MRF Portal Indexed (62-0976863_HCA-FLORIDA-GULF-COAST-HOSPITAL_standardcharges.json) Verify on CMS Medicare.gov (CCN 100242) ↗ CMS HCRIS Cost Reports ↗
Published MRF File62-0976863_HCA-FLORIDA-GULF-COAST-HOSPITAL_standardcharges.json
Publication / Vintage2026-09-01 · 326.41 MB
Validated Rate Rows2,727,828 (CMS v3.0.0)
File Integrity Digest1560f89aa2aa67ecc2eb…

Safe-Harbor Data Corrections: Parsed directly from public 45 CFR § 180 hospital filings, CMS Care Compare, and CMS HCRIS cost reports. Hospital compliance officers may submit updated MRF URLs or rate tables for verification.

Submit MRF Update Correction Policy