Hip Replacement Cost in Indiana (2026): Average Prices & What You'll Pay
What does a hip replacement cost in Indiana?
A typical hip replacement in Indiana costs $5,094–$19,693 for a commercially insured patient, including facility and physician fees. The median reported facility price across 53 hospitals is $3,650. This estimate is based on CMS fee schedules and hospital price transparency data published under federal law.
Once you have a bill or an appointment on the calendar, CostKits can help you keep it all organized.
Where hip replacement costs vary in Indiana
Pins show hospitals with price-transparency data (colored by vs. state average) and nearby ambulatory surgery centers, imaging centers, and other facilities (colored by type). Click any pin for facility name and estimated cost range.
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A hip replacement is four separate bills - and one of them keeps arriving for weeks after the surgery.
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Cheapest Hip Replacement Providers in Indiana
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs Median |
|---|---|---|---|---|
| 1 | St. Joseph Hospital & Health Center, Inc. | IN | $2,064 | -$1,586 |
| 2 | St. Vincent Randolph Hospital, Inc. | IN | $2,064 | -$1,586 |
| 3 | St. Vincent Anderson Regional Hospital, Inc. | IN | $2,064 | -$1,586 |
| 4 | Indiana University Health West Hospital Inc. | Avon, IN | $2,180 | -$1,470 |
| 5 | Indiana University Health North Hospital Inc. | Carmel, IN | $2,180 | -$1,470 |
| 6 | Indiana University Health Inc. | Indianapolis, IN | $2,180 | -$1,470 |
| 7 | Indiana University Health Arnett Inc. | Lafayette, IN | $2,209 | -$1,441 |
| 8 | Norton Healthcare Indiana Inc | Jeffersonville, IN | $2,602 | -$1,048 |
Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
Quick take
- St. Joseph Hospital & Health Center, Inc. is the lowest-cost option at $2,064 - $1,586 below the state median, just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $3,650, and it's often lower than what insurance pays before your deductible is satisfied.
- This dataset covers hospitals only - freestanding ASCs, which routinely run 30-60% cheaper for the same procedure, aren't included, so it's worth asking your doctor whether one is an option.
How where you go changes what you pay for hip replacement
The same hip replacement bundles different services depending on the setting - facility fee, surgeon fee, and anesthesia each arrive as separate bills. Estimated ranges below reflect the typical full bundled cost, including all expected charges.
- Facility fee $781–$91,984
- Professional fee $1,913–$7,516
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $142–$91,984
- Professional fee $1,913–$7,516
Estimated from CMS fee schedules + commercial rate multipliers
Indiana has one of the most concentrated hospital markets in the Midwest, which the FTC has previously flagged as insufficiently competitive. Indiana University Health and Ascension St. Vincent hold significant combined market share in Indianapolis. The lack of robust competition is reflected in commercial reimbursement rates that run above the Midwest average. Hip replacement is one of the highest-cost elective procedures in orthopedic surgery, with total episode costs (surgery, implant, anesthesia, facility, and 90-day follow-up) ranging from $20,000–$50,000+. The implant device alone accounts for 30–40% of the facility charge. Medicare Advantage plans increasingly carve out joint replacement to preferred facilities using bundled payment arrangements, which can significantly lower your out-of-pocket costs if you use a designated center of excellence.
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Why prices vary - and what it means for your coverage
A small number of hospitals (6) report prices above $29,994, including Unity Physicians Hospital at $91,984, which drives most of the overall spread - excluding them, most facilities cluster in a much tighter band. Setting matters too: the median outpatient price is $3,650 versus $2,642 inpatient, so where a procedure happens often matters more than which hospital you pick. Setting drives most of the spread here: an ambulatory surgical center (ASC) is usually meaningfully cheaper than a hospital operating room for the same procedure, when your case qualifies.
On top of the facility price, your actual bill depends on your deductible, your out-of-pocket maximum, and whether every provider involved - not just the facility - is in-network.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$7,738 |
| Deductible met - 20% coinsurance | ~$1,548 |
| Out-of-network provider | $17,024+ |
Frequently asked questions: hip replacement costs in Indiana
How much does a hip replacement cost in Indiana?
The typical insurer-negotiated rate is $781, with most facilities between $266 and $8,453 (based on 53 hospitals reporting negotiated rates). Full market pricing - including cash rates, gross charges, and outlier facilities - ranges more widely, from $504 to $127,238 across all 53 Indiana hospitals that publish prices. What you pay depends on the facility, your insurance, and whether you have met your deductible.
Where is the cheapest place to get a hip replacement in Indiana?
Based on declared prices, the lowest-cost facility in our Indiana data is ELKHART GENERAL HOSPITAL in Elkhart at about $142. By metro, Fort Wayne has the lowest median ($13,583). Freestanding ambulatory surgery and imaging centers are often cheaper still and may not appear in hospital price data - ask your doctor whether one is an option.
Why is a hip replacement so much cheaper at some Indiana hospitals?
Prices vary up to 252.5× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Indiana, the median cash (self-pay) price is $3,650 versus a median negotiated rate of $781 - about 4.7× higher. Asking for the cash price or your insurer's negotiated rate is often the single biggest lever on what you pay.
How much will I actually pay out of pocket for a hip replacement in Indiana?
Your out-of-pocket cost depends on your deductible, coinsurance, out-of-pocket maximum, and whether the facility is in-network - not just the sticker price. If you have not met your deductible, you will typically pay the negotiated rate in full until you do. Use the CostKits cost forecaster to estimate your specific out-of-pocket amount before you go.
Before you book
- Deductible vs out-of-pocket max
- How to negotiate your medical bills
- EOB vs medical bill: complete guide
- Already have a bill? Check it for errors
- How to read an EOB line by line
Other procedures in Indiana
Hip Replacement, elsewhere
What matters before you schedule
What's on your bill
A hip replacement involves multiple providers who bill separately - typically Drg Facility Stay, Orthopedic Surgeon Professional Fee, Anesthesia. Check each line item against your Explanation of Benefits to catch billing errors.
Cost by type
Which type your doctor orders for this hip replacement changes the billing code, and what you pay. For example: A recognized variation that can change the billing code and what you owe.
This is shoppable
Hip Replacement is elective and schedulable, so you have time to compare facilities before booking - hospital outpatient prices often run 2-4x higher than alternative settings for the identical clinical outcome.
What to ask before you book
Get the CPT code from your doctor, confirm every provider involved (not just the facility) is in-network, ask for the cash-pay rate if you're uninsured or haven't met your deductible, and request a written estimate for hip replacement before you schedule.
CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).
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About the Author
John Caruso, FSA, MAAA
Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.
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