CMS Price Transparency Data

Total knee replacement

Facility: Humboldt County Memorial Hospital

Billing Code: 27447 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 27447
Insurance Median: $3,065
Cash Discount Price: $2,874
vs. Medicare Baseline: 0.23x Medicare

The contracted insurance negotiated median rate for a Total knee replacement at Humboldt County Memorial Hospital is $3,065. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,874. Compared to the federal Medicare reimbursement reference rate of $13,116.76, this hospital’s rate is 0.23x the Medicare baseline. Located in 1000 North 15Th Street, Humboldt, IA.

Cash / Self-Pay

$2,874

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,065

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$13,116.76

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $13,116.76 (100%)

Cash / Self-Pay: $2,874 (22%)

Insurance Median: $3,065 (23%)

Cash: $2,874 (22% of Medicare)

Ins. Median: $3,065 (23% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $13,116.76 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
Great West	$2,235	17%
Physicians Mutual	$2,299	18%
Cigna	$2,395	18%
Phcs	$2,395	18%
Deanhealth	$2,554	19%
Health Partners	$2,554 - $3,193	19%
Humana	$2,714	21%
Blue Cross Blue Shield	$2,778 - $3,193	21%
UnitedHealthcare	$3,065	23%
Wellpoint	$3,065 - $3,193	23%
Aetna	$3,193	24%
Iowa Health	$3,193	24%
Iowa Total Care	$3,193	24%
Molina	$3,193	24%

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 $2,874.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 27447.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Humboldt County Memorial Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 27447.
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.