Total knee replacement
Facility: Saint Luke'S South Hospital
Billing Code: 27447 (CPT)
- CPT Billing Code: 27447
- Insurance Median: $11,321
- Cash Discount Price: $39,455
- vs. Medicare Baseline: 0.86x 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 |
|---|---|---|
| Cigna | $1,100 - $11,442 | 8% |
| Medicaid / KanCare | $4,264 - $24,680 | 33% |
| UnitedHealthcare | $11,133 - $18,590 | 85% |
| Humana | $11,200 | 85% |
| Commercial-Contracted [8000] | $12,551 | 96% |
Consumer Guidance & Cost Commentary
For the CPT code 27447, representing a total knee replacement at Saint Luke's South Hospital in Overland Park, Kansas, the facility's cash median price is $39,455. This cash rate is notably lower than the negotiated rates charged by major payers such as Cigna, Medicaid/KanCare, and UnitedHealthcare, which range from $11,000 to $24,680 depending on the specific plan. While the facility's negotiated rate of $11,321 appears lower than the cash price, patients with high-deductible plans should be aware that insurance often covers a portion of the negotiated amount only after the deductible is met, potentially resulting in out-of-pocket costs that exceed the cash price. Additionally, the facility's negotiated rate is approximately 85% of the Medicare amount of $13,117, indicating a pricing structure that is competitive relative to federal benchmarks.
Patients should proactively contact the hospital before scheduling to inquire about "self-pay" or "prompt-pay" discounts, which can reduce the final bill by 20% to 50% if paid in full upfront. It is crucial to request a waiver of insurance submission to prevent the hospital from automatically submitting a claim that would void any cash discount agreement. Furthermore, because over 80% of hospital bills contain errors, consumers are advised to demand a detailed, itemized CPT-coded statement rather than accepting a summary bill, ensuring that charges for services not rendered or unbundled components are identified and corrected. This facility is located in Overland Park (ZIP 66213) and is rated 4 stars, but the most