CMS Price Transparency Data

Hip or knee replacement (inpatient stay)

Facility: Finley Hospital

Billing Code: 470 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 470
Insurance Median: $14,734
Cash Discount Price: Unavailable
vs. Medicare Baseline: 1.05x Medicare

The contracted insurance negotiated median rate for a Hip or knee replacement (inpatient stay) at Finley Hospital is $14,734. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is unavailable. Compared to the federal Medicare reimbursement reference rate of $14,044.15, this hospital’s rate is 1.05x the Medicare baseline. Located in 350 North Grandview Avenue, Dubuque, IA.

Cash / Self-Pay

Unavailable

Average discount available for prompt cash payment at this facility.

Insurance Median

$14,734

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%)

Insurance Median: $14,734 (105%)

Ins. Median: $14,734 (105% 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
Bc Illinois Community	$10,452 - $13,101	74%
Quartz Health	$13,440	96%
Aetna	$13,709 - $19,242	98%
Blue Cross Blue Shield	$13,709	98%
Molina	$13,709	98%
Amerivantage	$14,112	100%
Humana	$14,112	100%
UnitedHealthcare	$14,112 - $17,929	100%
Amerigroup	$14,734	105%
Iowa Total Care	$14,734	105%
Meridian	$15,591	111%
Medical Associates Health Plan	$15,981	114%
Health Partners Open Network	$21,957	156%
Medica Exchange Inspire	$23,631	168%
Medica Exchange Insure	$26,332	187%

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 $X.
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 Finley 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.