What statements are true about this graph? Commercial in-network insurers cover all costs for a bundled payment to the hospital for hip/knee replacement. Commercial out-of-network insurers are charged the highest prices for hip/knee replacements. The market's transparency allows for consumers to shop for the best quality care. Medicare and Medicaid insurers pay this provider approximately $3000 to $16,000 for a hip or knee replacement. The cost of the procedure is known so prices range more than $78,000 to cover the hip/ knee replacement