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Hospital Profile Critical Access Hospital Voluntary non-profit - Church 25 Beds · urban Updated: 3/24/2026

St Joseph's Hospital

12866 Troxler Avenue, Highland, IL 62249 · 93 Priced Procedures · 75% Patient Recommendation

CMS Overall Rating 3 / 5 Stars
Pillar 1 · The BaseRate™ CompositeHow 1.00× Fair BaseRate Works: Raw price averages unfairly penalize hospitals in high-wage cities or trauma centers treating sicker patients. We adjust for local CMS hospital wage levels and patient complexity first. A 1.00× score means right at the fair price average, 0.85× means 15% cheaper than fair market, and 1.30× means 30% above fair market.High Markup · Shop Alternatives
2.03×vs. Fair Market Price
Position vs. 1.00× Fair Price+103% Above Fair Price 1.00× (center of the bar) is the U.S. fair price average after accounting for local hospital wages and patient complexity. Left of center (<1.00×) is below fair price; right of center (>1.00×) is above fair price.

Typical commercial prices here are +103% above the fair benchmark (2.03×) even after accounting for local nurse/doctor wages and patient complexity.

Pillar 2 · VeriRate™ Data TrustHow VeriRate™ (0–100) Works: Hospitals are legally required to publish machine-readable price files, but some bury fake $0.01 numbers or omit cash discounts. VeriRate audits each file across 5 checks (hover any badge below to see what it tests).77/100 · Corroborated
77/100Self-Pay Cash Beats Insurance 56% of the Time
File Completeness51Provenance (File Completeness): Checks whether the hospital published a complete, up-to-date machine-readable price file with valid CPT and MS-DRG billing codes instead of leaving blanks.
Price Logic86Coherence (Price Logic): Checks whether the hospital’s numbers make basic sense — e.g., self-pay cash price is lower than gross list price, with no fake $0.01 or $999,999 placeholder numbers.
Peer Alignment62Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing90Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount100Cash Honesty (Real Cash Discount): Checks whether the hospital offers a genuine self-pay cash discount that beats or matches commercial insurance rates instead of billing full sticker price.
Pillar 3 · Clinical Quality & ER SpeedChecks whether higher hospital prices actually buy better clinical quality — combining CMS Star Ratings, hospital safety scores, and emergency room wait times.High-Markup · Check Safety
CMS Star Rating5/5 StarsOfficial CMS Overall Hospital Quality Star Rating (1 to 5 stars) summarizing mortality, safety of care, readmissions, and patient experience.
Safety Score80/100Composite patient safety score (0–100) derived from CMS hospital-acquired infection rates (CLABSI, CAUTI, MRSA, C. diff), surgical complications, and HCAHPS surveys.
Typical ER WaitNo ER DataMedian minutes patients spent in the emergency department before leaving from the visit, as reported to CMS Timely and Effective Care.

5-Star CMS clinical quality rating paired with 2.03× fair market pricing.

Behavioral Pricing FingerprintUpper-Quartile Spread · +60% Tail Jump

Wide Procedure Spread · Upper-Quartile Skew Pricer

St Joseph's Hospital prices routine shoppable procedures at 4.0× Medicare (median 1.90× Fair BaseRate) while upper-quartile commercial rates jump +60% to 3.04× Fair BaseRate. Self-pay cash discounts and comparing specific CPT procedure codes before scheduling yield the strongest savings.

#120 of 126 in IL · 94th State Percentile#3,090 of 3,385 in U.S. · 91st National Percentile
Advantage

Where They're Good (Patient & Payer Edge)

  • Bottom-quartile procedures (Q25) price at 1.61× the peer BaseRate benchmark
  • Self-pay cash beats commercial insurance on 56% of shoppable procedures (99/100 Cash Honesty)
  • CMS clinical safety score (80/100 safety score) with 75% patient recommendation
  • IRS 501(c)(3) charity care provides free care up to 200% FPL and discounted care up to 400% FPL (73.9% AGB cap)
Watchout

Where You Can Get Burned (Markup Traps)

  • Outpatient surgery & OR suites carry a 5.0× markup over Medicare rates
  • Commercial insurance median sits at 1.90× Fair BaseRate (4.0× Medicare), so insured patients should always compare the self-pay cash price before paying.
  • Upper-quartile procedures (Q75 3.04×) jump +60% above the median procedure ratio (Q50 1.90×)
  • Unnegotiated chargemaster list prices average 13.7× Medicare (26¢ true HCRIS cost per $1 gross)
Front-Door ShoppableElective / Imaging
4.0× Medicare

Pre-scheduled outpatient procedures where patients can comparison-shop.

Back-Door Captive & ER0.45× Divergence
1.8× Medicare

Emergency, inpatient DRG, lab, and specialty drug lines billed after admission.

Quantile Tail Spread+60% Upper Tail
Q25 1.61× · Q50 1.90× · Q75 3.04×

Detects median-gaming when upper-quartile codes spike above the p50 median.

Select any lens to inspect department markups, federal cost accounting, or insurer discounts.
Department & Integrity Multiples (vs. CMS Medicare Cost Anchor) Green ≤1.3× · Teal 1.3–1.8× · Amber 1.8–2.5× · Rose >2.5×
Front-Door Shoppable CareFront-Door Shoppable
4.0× MedicareElevated
Outpatient Surgery & ORBack-Door Captive
5.0× MedicareWatchout
Diagnostic Imaging (CT/MRI)Front-Door Shoppable
5.7× MedicareWatchout
Back-Door Captive ER VisitsBack-Door Captive
5.8× MedicareWatchout
Inpatient Lab & PathologyBack-Door Captive
7.8× MedicareWatchout
Specialty & Infusion Drugs (J-Codes)Back-Door Captive
1.9× MedicareGood
Self-Pay Cash Honesty & 501(r)Integrity & Outcomes
56% Cash Edge · 99/100Good
CMS Clinical Safety & Star ValueIntegrity & Outcomes
3 CMS · 80/100Good

Procedure Prices at St Joseph's Hospital

High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 93 published procedures.

Sort:
Procedure & Billing Code This Hospital vs. Fair
MRI, brain (with and without contrast)
CPT Code: 70553
$2,144 4.2×
MRI, brain (no contrast)
CPT Code: 70551
$2,144 unverified
MRI, knee or other leg joint
CPT Code: 73721
$2,144 unverified
Sleep study (overnight, in lab)
CPT Code: 95810
$1,670 1.6×
CT scan, head (no contrast)
CPT Code: 70450
$1,253 7.8×
CT scan, pelvis
CPT Code: 72192
$1,253 7.7×
CT scan, sinuses
CPT Code: 70486
$1,253 7.5×
CT scan, chest (no contrast)
CPT Code: 71250
$1,253 7.5×
CT scan, lower back (lumbar spine)
CPT Code: 72131
$1,253 7.5×
CT scan, neck (cervical spine)
CPT Code: 72125
$1,253 7.4×
CT scan, head (with contrast)
CPT Code: 70460
$1,253 5.2×
CT scan, head (with and without contrast)
CPT Code: 70470
$1,253 4.9×
CT scan, abdomen and pelvis (no contrast)
CPT Code: 74176
$1,253 4.1×
MRI, lower back (no contrast)
CPT Code: 72148
$1,219 3.6×
Rabies immune globulin
HCPCS Code: 90375
$1,176 3.7×
Injection procedure for pain management
HCPCS Code: G0260
$1,142 1.3×
Echocardiogram (heart ultrasound)
CPT Code: 93306
$953 1.6×
CT scan, abdomen and pelvis (with contrast)
CPT Code: 74177
$916 2.0×
Blood transfusion
CPT Code: 36430
$815 1.6×
Ultrasound, abdomen (complete)
CPT Code: 76700
$549 4.1×
Neurobehavioral status check
CPT Code: 96116
$552 2.4×
Ultrasound, abdomen (limited)
CPT Code: 76705
$486 3.9×
Electrocardiogram (EKG, tracing only)
CPT Code: 93005
$454 unverified
Ultrasound, leg veins (duplex)
CPT Code: 93970
$402 1.5×
X-ray, neck (cervical spine)
CPT Code: 72040
$398 unverified
Showing top 25 high-impact procedures of 93 total
Inline Bill X-Ray & 501(r) Calculator 501(c)(3) Nonprofit · Free Care ≤200% FPL · AGB Cap 73.9%

Audit a Bill or Quote at St Joseph's Hospital (Zero PHI Required)

CMS CCN: 141336
CPT 70553
Fair BaseRate™ $511
Medicare Rate $356
Self-Pay Cash $4,523
Insurer Median $2,144
Pre-filled with St Joseph's Hospital’s charged/list benchmark
Screened against 2026 HHS Federal Poverty Guidelines
2026 FPL: $15,650 + $5,500 per additional person
Step 1 · 501(r) Charity Care Check 501(r) AGB Cap: $4,642 (274% FPL)

Statutory 501(r) AGB Cap Limits Bill to $4,642

At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (73.9% of gross = $4,642).

Step 2 · Cash vs. Insurance Arbitrage Save $1,759 Paying Cash

Self-Pay Cash Rate ($4,523) Beats Your Bill

St Joseph's Hospital's published 45 CFR § 180 self-pay cash rate is $4,523 (vs. $2,144 commercial insurer median). Ask billing to reclassify the visit to prompt-pay self-pay if it beats your deductible.

Step 3 · Fair BaseRate Target +$5,771 Above Fair BaseRate

Negotiate Toward $511 Fair BaseRate ($356 Medicare)

Your bill ($6,282) is $5,771 above the denoised Fair BaseRate ($511) and 17.6× the $356 Medicare rate.

1-Click Factual Dispute Summary: Copy a citation-backed benchmark memo (with CMS CCN, CPT code, Medicare reference, Fair BaseRate, and 26 U.S.C. § 501(r) calculations) to paste into patient-portal messages or billing appeals.
IRS Form 990 Schedule H & 26 U.S.C. § 501(r) 501(c)(3) Nonprofit Hospital

Financial Assistance Policy (FAP) & Amounts Generally Billed (AGB)

Free Care Eligibility BenchmarkUp to 200% FPL100% charity write-off income threshold
Discounted Care EligibilityUp to 400% FPLSliding-scale & AGB billing cap tier
Charity Care Share of ExpensesSee Schedule HNet community financial assistance reported
26 U.S.C. § 501(r)(5) AGB Benchmark Method: lookback_commercial_median

Hospital-Specific CMS HCRIS Benchmark (73.9% 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.

Screen your household size, income, and itemized CPT codes against 2026 HHS Federal Poverty Guidelines: Calculate Your 501(r) Cap Above ↑
CMS Care Compare Public Quality Record

Clinical Quality, Patient Experience & Infection Benchmarks

CMS Overall5/5 Stars (5/5)
Safety Composite80/100
Would Recommend75%
Rated 9 or 10 (HCAHPS)82%
Left ER Before Seen0%
30-Day Mortality vs U.S.same
Unplanned Readmissionsame

Healthcare-Associated Infections (CDC NHSN / CMS HAI)

1.00 SIR = National Predicted Baseline (Lower Is Safer)
C. diff Hospital-Onset Infectionsame

CMS Price Transparency Administrative Enforcement Log

Factual public administrative actions published by the Centers for Medicare & Medicaid Services regarding 45 CFR § 180 compliance at St Joseph's Hospital. Prior administrative notices do not necessarily reflect current compliance status.

  • 2022-01-19·administrative_or_closure

    Closure Notice

    Recorded
  • 2021-12-01·cap_corrective_action

    CAP Request

    Recorded
  • 2021-06-23·warning_notice

    Warning Notice

    Recorded

Source: CMS Hospital Care Compare (132 completed HCAHPS patient surveys). Clinical quality metrics summarize historical facility-wide cohorts and are not medical advice for individual care decisions.

Care-Setting Arbitrage, Bilateral SVD Insurer Leverage & Regional Alternatives

How to Pay Less Nearby: Freestanding Centers, Insurer Leverage & Outpatient Savings

Higher-Quality, Above-Median Price Tier

2D regional comparison of commercial negotiated price index against CMS clinical quality composite for St Joseph's Hospital.

Price Index: 1.39× regional baseline
Quality: 82/100 CMS composite

Notable Payer Contract Outliers (SVD Matrix Anomalies)

Cigna
-44.7%
Caterpillar, Inc.
-42.0%
Median Household Income$74,800U.S. Census ACS
Local Uninsured Share4.8%Regional ACS estimate
200% FPL (1 Person)$31,920Common free-care ceiling
400% FPL (Family of 4)$128,600Common AGB cap ceiling
45 CFR § 180 Primary-Source Lineage & Federal Verification VeriRate 77/100 · Corroborated CMS CCN 141336

Verify the Raw Data: Official Hospital MRF, CMS Medicare.gov & Federal Filings

Published MRF FileCMS_45_CFR_180_FILING.json
Publication / Vintage3/24/2026
Validated Rate Rows4,211 (CMS v3.0.0)
File Integrity DigestVerified · CCN 141336

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.