Hip Replacement Cost in Iowa (2026): Average Prices & What You'll Pay

What does a hip replacement cost in Iowa?

Expect roughly $5,660 to $11,110 for a hip replacement in Iowa if you're commercially insured — that range already folds in both the facility charge and the physician fee. The median reported facility price across 39 hospitals is $3,337. It's built from CMS fee schedules and federally mandated hospital price transparency data.

Iowa's hospital market is dominated by UnityPoint Health and MercyOne (CommonSpirit), with relatively limited inter-system competition in most markets. Des Moines prices run below national averages, but facility fees at affiliated hospital systems can add substantially to the base service rates. University of Iowa Hospitals & Clinics is the primary academic referral center.

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.

Insurers negotiate this down to a median of $1,355, while self-pay patients are quoted $3,337 — about 2.5× higher, so asking for the cash or insurer-negotiated rate is often the single biggest lever on your bill. Across 39 Iowa hospitals that publish prices, a hip replacement runs from as little as $605 (Story County Hospital in Nevada) to $83,375 (Gundersen Health System in West Union) — a 137.8× spread for the same procedure. A typical Iowa facility lands around $3,337 — most sit in the $2,991–$4,570 band. Location within the state matters too: Webster City has the lowest metro median ($2,991) while Waterloo runs highest ($6,538) — a 2.2× difference inside Iowa alone.

Where hip replacement costs vary in Iowa

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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The facility you choose matters more than almost anything else — the same procedure, same quality, same state can cost 5× more at one hospital versus the one down the road.

→ Compare all procedure costs   → Hip Replacement costs nationwide

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Lower-cost options in Iowa start around $2,991 or below. Most hospitals cluster between $2,991 and $5,346. A smaller group reports prices above that — often academic medical centers or high-cost markets.

If you're comparing specific hospitals, the lowest self-pay rates reported in this dataset include: Great River Health in Mount Pleasant (cash price from $2,035); CHI Health Mercy Council Bluffs in Council Bluffs (cash price from $2,377); Mercy Medical Center-Clinton Inc in Clinton (cash price from $2,825). These are declared cash prices — contact each facility for a formal quote before scheduling.

Iowa Hip Replacement prices by facility

All prices below come from hospital chargemasters — the official price lists each hospital must publish under federal law. Gross charge is the undiscounted list price; cash price is the self-pay rate; negotiated range covers the spread across insurance contracts.

Source: CMS hospital price transparency machine-readable files. vs Median = savings or premium relative to the state median price. Gross Charge = undiscounted list price for reference.

Received a bill? Check it for errors → Estimate YOUR cost before you go →

Compare other procedures in Iowa:

• Appendectomy Cost in Iowa
• Cataract Surgery Cost in Iowa

Where you can save the most on hip replacement in Iowa

These facilities have the lowest declared prices relative to the state median — they represent the best opportunities to reduce your out-of-pocket cost for this procedure.

Most expensive hip replacement providers in Iowa

These facilities report the highest prices for this procedure. Academic medical centers and specialty hospitals often top this list — their gross charges rarely reflect what anyone actually pays, but understanding the spread helps you negotiate.

Why prices vary this much

A small number of hospitals (11) report very high prices above $8,878, which drives much of the overall price range. Excluding these, most facilities cluster in a significantly tighter band.

Setting drives much of the gap in Iowa: the median outpatient price is $3,337 versus $3,337 inpatient, so where a procedure is performed often matters more than which hospital you choose. Of the Iowa facilities reporting prices, 15 fall in a low-cost tier (up to $2,991) while 14 sit in a high-cost tier ($5,346 and up) — a lower-priced option almost always exists within the same state.

The spread comes from how each hospital sets its chargemaster (the undiscounted list price), what cash discounts it applies, and what rates it negotiates with each insurer. Facility classification matters too — a hospital-owned outpatient center adds a facility fee that a freestanding clinic does not. Understanding these mechanics is the first step to paying less.

Learn more:
→ Allowed amount vs negotiated rate — what your EOB is really saying
→ How to read your medical bill
→ Why hospital prices are so hard to find — and what to do about it

How insurance changes what you actually pay

Hospital list prices are only part of the picture. What you pay out of pocket depends on your deductible, your plan's out-of-pocket maximum, whether the facility is in-network, and whether your plan classifies the visit as outpatient or inpatient. A lower gross charge doesn't guarantee a lower bill if the facility is out-of-network or adds facility fees your plan doesn't cover.

Understand your cost before you go:
→ Deductible vs out-of-pocket max
→ EOB vs medical bill — complete guide
→ How to stop medical bill problems before they start (in-network vs out-of-network)

Hip Replacement Costs by Metro Area in Iowa

Prices vary across Iowa metro areas based on local hospital competition, wage adjustments, and facility mix. Explore detailed facility price data for each metro area:

• Hip Replacement Cost in Ames, IA
• Hip Replacement Cost in Cedar Rapids, IA
• Hip Replacement Cost in Davenport, IA
• Hip Replacement Cost in Des Moines, IA
• Hip Replacement Cost in Sioux City, IA
• Hip Replacement Cost in Waterloo, IA

Compare hip replacement costs in nearby states

• New York
• California
• Texas
• Florida

Frequently asked questions: hip replacement costs in Iowa

How much does a hip replacement cost in Iowa?

Across 39 Iowa hospitals that publish prices, a hip replacement ranges from $605 to $83,375, with a median of $3,337. Most facilities fall between $2,991 and $4,570. 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 Iowa?

Based on declared prices, the lowest-cost facility in our Iowa data is Shenandoah Medical Center at about $69. By metro, Webster City has the lowest median ($2,991). 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 Iowa hospitals?

Prices vary up to 137.8× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Iowa, the median cash (self-pay) price is $3,337 versus a median negotiated rate of $1,355 — about 2.5× 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 Iowa?

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.

Explore all hip replacement cost data

→ See hip replacement costs across all states

CostKits compiles hospital price transparency data to help families make informed decisions. If you've received a bill for this procedure:
→ Analyze your medical bill for errors
→ How to negotiate your medical bills
→ Track and manage your healthcare costs (free account)