CMS Price Transparency Data

Total hip replacement

Facility: McLaren Northern Michigan

Billing Code: 27130 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 27130
Insurance Median: $7,038
Cash Discount Price: $11,642
vs. Medicare Baseline: 0.54x Medicare

The contracted insurance negotiated median rate for a Total hip replacement at McLaren Northern Michigan is $7,038. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $11,642. Compared to the federal Medicare reimbursement reference rate of $13,116.76, this hospital’s rate is 0.54x the Medicare baseline. Located in 416 Connable Ave, Petoskey, MI.

Cash / Self-Pay

$11,642

Average discount available for prompt cash payment at this facility.

Insurance Median

$7,038

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: $11,642 (89%)

Insurance Median: $7,038 (54%)

Cash: $11,642 (89% of Medicare)

Ins. Median: $7,038 (54% 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
Medicaid / KanCare	$829 - $7,249	6%
Humana	$1,145 - $12,549	9%
Medicare (plans)	$1,145 - $20,078	9%
U Of M Health Plan	$1,317	10%
Aetna	$1,646	13%
UnitedHealthcare	$1,814	14%
Priority Health	$1,872	14%
Mclaren Commercial Ins	$1,898	14%
Blue Cross Blue Shield	$2,278 - $20,643	17%
Tricare	$11,346	87%
Mi Amish Medical Board	$12,549	96%

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 $11,642.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 27130.

Insurance In-Network Protection Plan

Contact your insurance company to confirm McLaren Northern Michigan is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 27130.
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.