Central Florida Lake Monroe Hospital
1401 W Seminole Blvd, Sanford, FL 32771 · 127 Priced Procedures · 54% Patient Recommendation
Typical commercial prices here are +40% above the fair benchmark (1.40×) even after accounting for local nurse/doctor wages and patient complexity.
1-Star CMS clinical quality rating paired with 1.40× fair market pricing.
Wide Procedure Spread · Upper-Quartile Skew Pricer
Central Florida Lake Monroe Hospital prices routine shoppable procedures at 3.6× Medicare (median 1.05× Fair BaseRate) while upper-quartile commercial rates jump +143% to 2.55× Fair BaseRate. Self-pay cash discounts and comparing specific CPT procedure codes before scheduling yield the strongest savings.
Where They're Good (Patient & Payer Edge)
- Bottom-quartile procedures (Q25) price at 0.97× the peer BaseRate benchmark
- Self-pay cash beats commercial insurance on 6% of shoppable procedures (25/100 Cash Honesty)
- 2-Star CMS clinical rating with 54% patient recommendation (53/100 safety score)
- Binding Good Faith Estimate rights under 45 CFR § 149.610 protect self-pay patients before scheduling
Where You Can Get Burned (Markup Traps)
- Outpatient surgery & OR suites carry a 1.6× markup over Medicare rates
- Commercial insurance median sits at 1.05× Fair BaseRate (3.6× Medicare), so insured patients should always compare the self-pay cash price before paying.
- Upper-quartile procedures (Q75 2.55×) jump +143% above the median procedure ratio (Q50 1.05×)
- Consolidated metro market (HHI 2,354) limits in-network hospital competition (Moderately Concentrated (1,500–2,500))
Pre-scheduled outpatient procedures where patients can comparison-shop.
Emergency, inpatient DRG, lab, and specialty drug lines billed after admission.
Detects median-gaming when upper-quartile codes spike above the p50 median.
Procedure Prices at Central Florida Lake Monroe Hospital
High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 127 published procedures.
| Procedure & Billing Code | This Hospital | vs. Fair |
|---|---|---|
| Spinal fusion, single level (inpatient stay) MS-DRG Code: 451 | $29,595 | 1.0× |
| Trauma team activation HCPCS Code: G0390 | $24,500 | 16.9× |
| CT scan, head (no contrast) CPT Code: 70450 | $19,321 | unverified |
| Hip or knee replacement (inpatient stay) MS-DRG Code: 470 | $18,801 | 1.0× |
| Sepsis treatment (inpatient stay) MS-DRG Code: 871 | $18,622 | 1.0× |
| Heart stent placement (inpatient stay) MS-DRG Code: 322 | $17,249 | 1.0× |
| Total hip replacement CPT Code: 27130 | $14,130 | 1.1× |
| Total knee replacement CPT Code: 27447 | $14,130 | 1.0× |
| Gallbladder removal (laparoscopic) CPT Code: 47562 | $12,293 | 2.0× |
| Inguinal hernia repair CPT Code: 49505 | $9,252 | 2.5× |
| Digestive disorders treatment (inpatient stay) MS-DRG Code: 392 | $9,150 | 1.1× |
| Knee arthroscopy with meniscus repair CPT Code: 29881 | $9,116 | 2.7× |
| Breast lump removal CPT Code: 19120 | $8,886 | 2.3× |
| Bunion correction surgery CPT Code: 28296 | $7,355 | 2.1× |
| Ultrasound, abdomen (complete) CPT Code: 76700 | $6,154 | 45.9× |
| Ultrasound, pelvis CPT Code: 76856 | $5,102 | 39.2× |
| Cataract surgery with lens implant CPT Code: 66984 | $4,826 | 1.9× |
| Ultrasound, thyroid and neck CPT Code: 76536 | $4,434 | 33.6× |
| X-ray, lower back CPT Code: 72110 | $4,158 | 37.1× |
| Vaginal delivery (full package) CPT Code: 59400 | $3,682 | 1.4× |
| C-section delivery (full package) CPT Code: 59510 | $3,682 | 1.2× |
| Colonoscopy with biopsy CPT Code: 45380 | $3,313 | 2.6× |
| Upper endoscopy with biopsy CPT Code: 43239 | $2,930 | 3.0× |
| Colonoscopy (diagnostic) CPT Code: 45378 | $2,668 | 2.7× |
| MRI, brain (with and without contrast) CPT Code: 70553 | $2,658 | unverified |
Audit a Bill or Quote at Central Florida Lake Monroe Hospital (Zero PHI Required)
Above Standard 400% FPL Financial-Assistance Ceiling
At 274% FPL, you exceed the standard 400% FPL tier, though medical-hardship caps (when bills exceed 10% of annual income) may still apply.
Compare Prompt-Pay Cash Rate Against Remaining Deductible
Ask Central Florida Lake Monroe Hospital's billing desk for their written 45 CFR § 180 discounted self-pay cash price and Good Faith Estimate under the No Surprises Act.
Negotiate Toward $30,775 Fair BaseRate ($23,504 Medicare)
Your bill ($71,028) is $40,253 above the denoised Fair BaseRate ($30,775) and 3.0× the $23,504 Medicare rate.
Financial Assistance Policy (FAP) & Amounts Generally Billed (AGB)
Public IRS & CMS ownership records classify Central Florida Lake Monroe Hospital as a non-501(c)(3) facility. Federal 26 U.S.C. § 501(r) statutory charity-care caps apply specifically to tax-exempt nonprofit hospitals, though state hospital fair-pricing statutes and prompt-pay self-pay discounts may still apply.
Clinical Quality, Patient Experience & Infection Benchmarks
Healthcare-Associated Infections (CDC NHSN / CMS HAI)
1.00 SIR = National Predicted Baseline (Lower Is Safer)Source: CMS Hospital Care Compare (665 completed HCAHPS patient surveys). Clinical quality metrics summarize historical facility-wide cohorts and are not medical advice for individual care decisions.
How to Pay Less Nearby: Freestanding Centers, Insurer Leverage & Outpatient Savings
2D regional comparison of commercial negotiated price index against CMS clinical quality composite for Central Florida Lake Monroe Hospital.
Notable Payer Contract Outliers (SVD Matrix Anomalies)
Verify the Raw Data: Official Hospital MRF, CMS Medicare.gov & Federal Filings
Safe-Harbor Data Corrections: Parsed directly from public 45 CFR § 180 hospital filings, CMS Care Compare, and CMS HCRIS cost reports. Hospital compliance officers may submit updated MRF URLs or rate tables for verification.