CMS Price Transparency Data

Hip or knee replacement (inpatient stay)

Facility: McLeod Health Cheraw

Billing Code: 470 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 470
Insurance Median: $18,615
Cash Discount Price: Unavailable
vs. Medicare Baseline: 1.33x Medicare

The contracted insurance negotiated median rate for a Hip or knee replacement (inpatient stay) at McLeod Health Cheraw is $18,615. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is unavailable. Compared to the federal Medicare reimbursement reference rate of $14,044.15, this hospital’s rate is 1.33x the Medicare baseline. Located in 711 Chesterfield Highway, Cheraw, SC.

Cash / Self-Pay

Unavailable

Average discount available for prompt cash payment at this facility.

Insurance Median

$18,615

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$14,044.15

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $14,044.15 (100%)

Insurance Median: $18,615 (133%)

Ins. Median: $18,615 (133% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $14,044.15 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
Blue Cross Blue Shield	$17,397 - $54,260	124%
Medicare (plans)	$17,397	124%
UnitedHealthcare	$17,658 - $52,159	126%
Aetna	$17,832	127%
Clover	$18,093	129%
Humana	$18,093	129%
Molina	$18,528 - $33,924	132%
Absolute Total Care	$18,615	133%
Allwell	$18,615	133%
Wellcare	$18,615	133%
Tricare	$18,842	134%
Ambetter / Centene	$31,315	223%
Promise Health	$51,915	370%
Cigna	$54,896	391%

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 $X.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify MS-DRG Code matches exactly: 470.

Insurance In-Network Protection Plan

Contact your insurance company to confirm McLeod Health Cheraw is fully in-network.
Ask your insurer if "Prior Authorization" is required for MS-DRG code 470.
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.