Fhn Memorial Hospital
1045 West Stephenson Street, Freeport, IL 61032 · 113 Priced Procedures · 63% Patient Recommendation
Typical commercial prices here are 21% below the fair benchmark (0.79×) after accounting for local nurse/doctor wages and patient complexity.
4-Star CMS clinical quality rating paired with 0.79× fair market pricing.
Uniform Value Leader · Low-Cost Across Departments
Fhn Memorial Hospital maintains low, disciplined commercial pricing across both routine shoppable procedures (0.7× Medicare, p50 0.79× Fair BaseRate) and emergency/ancillary services (1.0× Medicare, p75 0.95× Fair BaseRate). Both insured and self-pay patients benefit from below-benchmark rates across departments.
Where They're Good (Patient & Payer Edge)
- Elective shoppable care is priced 21% below peer Fair BaseRate (0.79×)
- Self-pay cash beats commercial insurance on 45% of shoppable procedures (99/100 Cash Honesty)
- CMS clinical safety score (70/100 safety score) with 63% patient recommendation
- IRS 501(c)(3) charity care provides free care up to 200% FPL and discounted care up to 400% FPL (58.2% AGB cap)
Where You Can Get Burned (Markup Traps)
- Even at low-cost facilities (0.79× Fair BaseRate), out-of-network or unnegotiated chargemaster bills can exceed commercial medians — confirm in-network status or request a self-pay cash quote up front.
- Captive ER (0.7×) & laboratory (1.7×) services average 1.43× higher multiples than routine shoppable care (0.7×)
- Upper-quartile procedures (Q75 0.95×) jump +20% above the median procedure ratio (Q50 0.79×)
- Consolidated metro market (HHI 10,000) limits in-network hospital competition (Highly Concentrated Monopoly (>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 Fhn Memorial Hospital
High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 113 published procedures.
| Procedure & Billing Code | This Hospital | vs. Fair |
|---|---|---|
| Sepsis treatment (inpatient stay) MS-DRG Code: 871 | $15,110 | 0.8× |
| Hip or knee replacement (inpatient stay) MS-DRG Code: 470 | $15,004 | 0.8× |
| Total hip replacement CPT Code: 27130 | $13,758 | 1.0× |
| Heart stent placement (inpatient stay) MS-DRG Code: 322 | $13,713 | 0.8× |
| Digestive disorders treatment (inpatient stay) MS-DRG Code: 392 | $6,064 | 0.7× |
| Total knee replacement CPT Code: 27447 | $4,544 | unverified |
| Bunion correction surgery CPT Code: 28296 | $3,506 | unverified |
| C-section delivery (full package) CPT Code: 59510 | $2,660 | 0.9× |
| Knee arthroscopy with meniscus repair CPT Code: 29881 | $2,674 | unverified |
| Vaginal delivery (full package) CPT Code: 59400 | $2,358 | 0.9× |
| Gallbladder removal (laparoscopic) CPT Code: 47562 | $1,961 | unverified |
| Cataract surgery with lens implant CPT Code: 66984 | $1,945 | unverified |
| Breast lump removal CPT Code: 19120 | $1,684 | unverified |
| Inguinal hernia repair CPT Code: 49505 | $1,240 | unverified |
| Echocardiogram (heart ultrasound) CPT Code: 93306 | $586 | unverified |
| Blood transfusion CPT Code: 36430 | $473 | 0.9× |
| Colonoscopy (diagnostic) CPT Code: 45378 | $419 | 0.4× |
| Colonoscopy with biopsy CPT Code: 45380 | $443 | 0.4× |
| Upper endoscopy with biopsy CPT Code: 43239 | $344 | 0.3× |
| Sleep study (overnight, in lab) CPT Code: 95810 | $287 | 0.3× |
| MRI, brain (with and without contrast) CPT Code: 70553 | $234 | 0.5× |
| Breathing treatment (nebulizer) CPT Code: 94640 | $235 | unverified |
| Family therapy session CPT Code: 90847 | $190 | 1.1× |
| Care planning with family CPT Code: 90887 | $146 | 1.4× |
| X-ray, pelvis CPT Code: 72170 | $123 | 1.1× |
Audit a Bill or Quote at Fhn Memorial Hospital (Zero PHI Required)
Statutory 501(r) AGB Cap Limits Bill to $38,085
At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (58.2% of gross = $38,085).
Self-Pay Cash Rate ($52,333) Beats Your Bill
Fhn Memorial Hospital's published 45 CFR § 180 self-pay cash rate is $52,333 (vs. $15,110 commercial insurer median). Ask billing to reclassify the visit to prompt-pay self-pay if it beats your deductible.
Negotiate Toward $19,087 Fair BaseRate ($14,117 Medicare)
Your bill ($65,416) is $46,329 above the denoised Fair BaseRate ($19,087) and 4.6× the $14,117 Medicare rate.
Financial Assistance Policy (FAP) & Amounts Generally Billed (AGB)
Hospital-Specific CMS HCRIS Benchmark (58.2% of gross charges)
Under 26 U.S.C. § 501(r)(5), a tax-exempt hospital organization may not bill FAP-eligible patients more than Amounts Generally Billed (AGB) to individuals with insurance covering emergency or medically necessary care. Derived from this facility’s reported CMS HCRIS cost-to-charge & insurer allowance filings. Verify your exact Financial Assistance Policy (FAP) determination directly with the billing office.
Clinical Quality, Patient Experience & Infection Benchmarks
Healthcare-Associated Infections (CDC NHSN / CMS HAI)
1.00 SIR = National Predicted Baseline (Lower Is Safer)CMS Price Transparency Administrative Enforcement Log
Factual public administrative actions published by the Centers for Medicare & Medicaid Services regarding 45 CFR § 180 compliance at Fhn Memorial Hospital. Prior administrative notices do not necessarily reflect current compliance status.
- 2024-04-03·administrative_or_closure
Met Requirements
Recorded - 2023-01-10·administrative_or_closure
Met Requirements
Recorded
Source: CMS Hospital Care Compare (395 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 Fhn Memorial Hospital.
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.