Total knee replacement
Facility: St. Catherine Hospital - Garden City
Billing Code: 27447 (CPT)
- CPT Billing Code: 27447
- Insurance Median: $1,241
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 0.09x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Kaiser | $1,129 - $1,241 | 9% |
| Cigna | $1,129 - $1,241 | 9% |
| Aetna | $1,129 - $34,485 | 9% |
| Kansas Health | $1,129 | 9% |
| Humana | $1,129 - $1,241 | 9% |
| Medicare (plans) | $1,129 - $1,241 | 9% |
| UnitedHealthcare | $1,129 - $1,241 | 9% |
| Blue Cross Blue Shield | $1,129 - $18,681 | 9% |
| Devoted Health | $1,241 | 9% |
| Innovage | $1,241 | 9% |
| Direct To Employer | $19,725 | 150% |
| Peak Health | $26,474 | 202% |
Consumer Guidance & Cost Commentary
For a total knee replacement at St. Catherine Hospital in Garden City, KS, the negotiated rates for in-network insurance plans range from $1,129 to $34,485, with a median negotiated amount of $1,241. This median rate is significantly lower than the highest negotiated rates found for other payers in the state, such as Blue Cross Blue Shield's upper limit of $18,681. However, the data indicates that cash-pay options are not available for this procedure, as both the cash median and cash price fields are null. While patients with high-deductible plans might sometimes benefit from paying cash if the facility offers a self-pay discount, the absence of a listed cash price means there is no immediate opportunity to bypass insurance negotiations for this specific service.
It is important to note that the facility's Medicare benchmark amount is $13,116.76, which serves as a cost-based baseline for evaluating commercial pricing. Commercial negotiated rates often exceed this benchmark due to administrative structures and contract dynamics, yet the median negotiated rate of $1,241 represents a substantial discount compared to the Medicare amount. Patients should be aware that while the No Surprises Act protects against balance billing for out-of-network providers at in-network facilities, they must still verify their specific plan details before scheduling. Additionally, if a patient receives an itemized bill, they should request a full line-by-line audit to ensure no unbundled codes or services not rendered have inflated the total, as over 80% of hospital bills contain errors that can be corrected through formal written disputes.