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CMS Price Transparency Data Hospital file updated: 2026-05-01

Hip or knee replacement (inpatient stay)

Facility: Corewell Health Ludington Hospital

Billing Code: 470 (MS-DRG)

Pillar 1 · The BaseRate™ CompositeHow 1.00× Fair BaseRate Works: Raw price averages unfairly penalize hospitals in high-wage cities or trauma centers treating sicker patients. We adjust for local CMS hospital wage levels and patient complexity first. A 1.00× score means right at the fair price average, 0.85× means 15% cheaper than fair market, and 1.30× means 30% above fair market.Good Deal · Below Fair Market
$17,619Fair BaseRate (0.85× Market)
Position vs. 1.00× Fair Price15% Below Fair Price 1.00× (center of the bar) is the U.S. fair price average after accounting for local hospital wages and patient complexity. Left of center (<1.00×) is below fair price; right of center (>1.00×) is above fair price.

This hospital's typical commercial price is $14,977 compared to the $17,619 fair price benchmark.

Pillar 2 · VeriRate™ Data TrustHow VeriRate™ (0–100) Works: Hospitals are legally required to publish machine-readable price files, but some bury fake $0.01 numbers or omit cash discounts. VeriRate audits each file across 5 checks (hover any badge below to see what it tests).86/100 · Verified
86/100Hover Any Check Below to See How Prices Were Audited
File Completeness90Provenance (File Completeness): Checks whether the hospital published a complete, up-to-date machine-readable price file with valid CPT and MS-DRG billing codes instead of leaving blanks.
Price Logic88Coherence (Price Logic): Checks whether the hospital’s numbers make basic sense — e.g., self-pay cash price is lower than gross list price, with no fake $0.01 or $999,999 placeholder numbers.
Peer Alignment86Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing83Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount84Cash Honesty (Real Cash Discount): Checks whether the hospital offers a genuine self-pay cash discount that beats or matches commercial insurance rates instead of billing full sticker price.
Pillar 3 · Clinical Quality & ER SpeedChecks whether higher hospital prices actually buy better clinical quality — combining CMS Star Ratings, hospital safety scores, and emergency room wait times.Regional Value Leader
CMS Star Rating4/5 StarsOfficial CMS Overall Hospital Quality Star Rating (1 to 5 stars) summarizing mortality, safety of care, readmissions, and patient experience.
Safety Score78/100Composite patient safety score (0–100) derived from CMS hospital-acquired infection rates (CLABSI, CAUTI, MRSA, C. diff), surgical complications, and HCAHPS surveys.
Typical ER WaitNo ER DataMedian minutes patients spent in the emergency department before leaving from the visit, as reported to CMS Timely and Effective Care.

4-Star CMS clinical quality rating paired with 0.85× fair market pricing.

The BaseRate · fair price high confidence
A fair price for this
$17,619
about 1.3× the $14,044 Medicare rate · typically $14,704–$23,816
modeled estimate · not a bill or quote
What this hospital charges insurers
$14,977
Below the fair price — a good deal
about $2,642 under the fair price · 1.1× Medicare
Medicare pays $14,044 Fair price $17,619 This hospital $14,977

How we calculate the fair BaseRate →

How this hospital compares to other MI hospitals

Highest price of the 9 MI hospitals we have prices for — worth calling around.

Cheapest $7,442 Priciest $14,977

Black dot = this hospital, among the 9 MI hospitals with a price for this procedure. Full list below.

A fair price for a Hip or knee replacement (inpatient stay) is about $17,619 (about 1.3× the $14,044 Medicare rate). Corewell Health Ludington Hospital charges insurers about $14,977 — below the fair price — a good deal. Located in Ludington, MI.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

3 of 6 major insurers have a published price at this hospital

Blue Cross Blue ShieldAetnaHumana UnitedHealthcareCignaKaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company Price range vs. Medicare
Blue Cross Blue Shieldmajor $14,264 - $24,121 102%
Aetnamajor $14,977 107%
Humanamajor $14,264 102%
Meridian $25,675 183%
Molina $14,977 - $25,675 107%
Priority Health $14,264 - $25,427 102%
+ 5 smaller / regional plans $14,264 - $14,977

Self-Pay How to get the cash price

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Facility Profile & Credentials

  • Address: One N Atkinson Drive, Ludington, MI 49431
  • CMS Rating: 4 / 5 Stars
  • Ownership Type: Voluntary non-profit - Private
  • Hospital Type: Acute Care Hospitals

Other Procedures at Corewell Health Ludington Hospital

Compare: Hip or knee replacement (inpatient stay) at other MI hospitals

Insurance negotiated median for the same procedure, sorted lowest first.

Inline Bill X-Ray & 501(r) Calculator 501(c)(3) Nonprofit · Free Care ≤200% FPL · AGB Cap 36.3%

Audit a Bill or Quote at Corewell Health Ludington Hospital (Zero PHI Required)

CMS CCN: 230110
MS-DRG 470
Fair BaseRate™ $17,619
Medicare Rate $14,044
Self-Pay Cash Request Quote
Insurer Median $14,977
Pre-filled with Corewell Health Ludington Hospital’s charged/list benchmark
Screened against 2026 HHS Federal Poverty Guidelines
2026 FPL: $15,650 + $5,500 per additional person
Step 1 · 501(r) Charity Care Check 501(r) AGB Cap: $13,048 (274% FPL)

Statutory 501(r) AGB Cap Limits Bill to $13,048

At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (36.3% of gross = $13,048).

Step 2 · Cash vs. Insurance Arbitrage Request Prompt-Pay Quote

Compare Prompt-Pay Cash Rate Against Remaining Deductible

Ask Corewell Health Ludington Hospital's billing desk for their written 45 CFR § 180 discounted self-pay cash price and Good Faith Estimate under the No Surprises Act.

Step 3 · Fair BaseRate Target +$18,326 Above Fair BaseRate

Negotiate Toward $17,619 Fair BaseRate ($14,044 Medicare)

Your bill ($35,945) is $18,326 above the denoised Fair BaseRate ($17,619) and 2.6× the $14,044 Medicare rate.

1-Click Factual Dispute Summary: Copy a citation-backed benchmark memo (with CMS CCN, MS-DRG code, Medicare reference, Fair BaseRate, and 26 U.S.C. § 501(r) calculations) to paste into patient-portal messages or billing appeals.
CMS Care Compare Public Quality Record

Clinical Quality, Patient Experience & Infection Benchmarks

CMS Overall4/5 Stars (4/5)

Source: CMS Hospital Care Compare. Clinical quality metrics summarize historical facility-wide cohorts and are not medical advice for individual care decisions.

Care-Setting Arbitrage, Bilateral SVD Insurer Leverage & Regional Alternatives

How to Pay Less Nearby: Freestanding Centers, Insurer Leverage & Outpatient Savings

45 CFR § 180 Primary-Source Lineage & Federal Verification Verified CMS CCN 230110

Verify the Raw Data: Official Hospital MRF, CMS Medicare.gov & Federal Filings

MRF Portal Indexed (381359266_corewell-health-ludington-hospital_standardcharges.csv) Verify on CMS Medicare.gov (CCN 230110) ↗ CMS HCRIS Cost Reports ↗
Published MRF File381359266_corewell-health-ludington-hospital_standardcharges.csv
Publication / Vintage2026-05-01 · 19.90 MB
Validated Rate Rows82,844 (CMS v3.0.0)
File Integrity Digest6cb7c6fa1ec8a70bc90f…

Safe-Harbor Data Corrections: Parsed directly from public 45 CFR § 180 hospital filings, CMS Care Compare, and CMS HCRIS cost reports. Hospital compliance officers may submit updated MRF URLs or rate tables for verification.

Submit MRF Update Correction Policy