# Hip or knee replacement (hospital stay): what UMR pays, by state

The whole hospital stay for a hip or knee joint replacement, without major complications - the most common inpatient surgery.

- Insurer: UMR (a UnitedHealthcare company)
- Billing code: 470 (Hospital stays (inpatient))
- Price shown: negotiated in-network price, hospital stay, doctor's and facility fees
- Prices as of: 2026-10-01
- All of the insurer's plans pooled; the map also shows single networks

| State | Providers | Lowest | 25th pct | Median | 75th pct | Highest | Medicare pays | Median vs Medicare |
|---|---|---|---|---|---|---|---|---|
| California | 6 | $25,397.00 | $30,524.00 | $32,322.00 | $38,167.00 | $40,008.00 | $21,621.68 | 1.5x Medicare |
| Colorado | 3 | $25,710.00 | $25,710.00 | $25,710.00 | $25,710.00 | $25,710.00 | $15,834.89 | 1.6x Medicare |
| Connecticut | 1 | $25,500.00 | $26,125.00 | $26,750.00 | $27,375.00 | $28,000.00 | $19,326.37 | 1.4x Medicare |
| District of Columbia | 1 | $29,904.00 | $29,904.00 | $29,904.00 | $29,904.00 | $29,904.00 | $19,491.88 | 1.5x Medicare |
| Florida | 1 | $30,512.00 | $30,512.00 | $30,512.00 | $30,512.00 | $30,512.00 | $15,466.06 | 2.0x Medicare |
| Georgia | 1 | $33,816.00 | $33,816.00 | $33,816.00 | $33,816.00 | $33,816.00 | $16,510.65 | 2.0x Medicare |
| Illinois | 1 | $26,590.00 | $26,590.00 | $26,590.00 | $26,590.00 | $26,590.00 | $16,408.49 | 1.6x Medicare |
| Indiana | 1 | $28,350.00 | $28,350.00 | $28,350.00 | $28,350.00 | $28,350.00 | $14,468.22 | 2.0x Medicare |
| Kansas | 1 | $16,960.00 | $16,960.00 | $16,960.00 | $16,960.00 | $16,960.00 | $13,938.16 | 1.2x Medicare |
| Louisiana | 1 | $22,800.00 | $22,800.00 | $22,800.00 | $22,800.00 | $22,800.00 | $13,103.95 | 1.7x Medicare |
| Missouri | 1 | $24,517.00 | $24,517.00 | $24,517.00 | $24,517.00 | $24,517.00 | $14,460.34 | 1.7x Medicare |
| Nebraska | 1 | $22,000.00 | $22,000.00 | $22,000.00 | $22,000.00 | $22,000.00 | $14,687.04 | 1.5x Medicare |
| Nevada | 28 | $19,254.00 | $33,195.00 | $52,453.00 | $52,453.00 | $52,453.00 | $18,716.35 | 2.8x Medicare |
| New York | 75 | $26,842.57 | $49,794.55 | $59,211.44 | $75,319.69 | $183,517.47 | $23,235.14 | 2.5x Medicare |
| North Carolina | 2 | $23,980.00 | $26,131.00 | $28,282.00 | $30,433.00 | $32,584.00 | $15,558.51 | 1.8x Medicare |
| Ohio | 4 | $23,500.00 | $24,001.75 | $25,989.50 | $28,587.75 | $30,921.00 | $14,131.56 | 1.8x Medicare |
| Oklahoma | 2 | $17,424.00 | $17,656.25 | $17,888.50 | $18,120.75 | $18,353.00 | $14,253.40 | 1.3x Medicare |
| South Carolina | 1 | $30,350.00 | $30,350.00 | $30,350.00 | $30,350.00 | $30,350.00 | $14,217.35 | 2.1x Medicare |
| Tennessee | 1 | $32,000.00 | $32,000.00 | $32,000.00 | $32,000.00 | $32,000.00 | $14,538.56 | 2.2x Medicare |
| Texas | 4 | $18,077.00 | $24,609.50 | $30,390.00 | $33,993.00 | $33,993.00 | $14,713.96 | 2.1x Medicare |
| Washington | 1 | $31,500.00 | $31,500.00 | $31,500.00 | $31,500.00 | $31,500.00 | $17,691.54 | 1.8x Medicare |

**“x Medicare”** compares each price with what original Medicare actually paid hospitals in the same state for the same kind of stay in 2024, the newest year it has published: the average per stay, the patient’s share included, at hospitals with more than ten such stays. Medicare’s payment varies by hospital (wages, teaching, low-income patients), so this is a state average, not any one hospital’s rate. Insurers write their contracts as a share of Medicare, so 1.3x means the insurer pays 30% more than Medicare would; Medicare Advantage plans generally pay close to 1.0x.

Prices are what the insurer has agreed to pay, not what you will be billed. This is a statewide summary: prices vary far more between towns and between practices than these medians suggest, and "providers" counts everyone with a contracted price, not only those who perform the procedure.

Map: https://medicalpricetransparency.netlify.app/insurers/umr/statemap_470_US.html  
About this insurer's data, and its other procedures: [index.md](index.md)