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Chicago Naperville Elgin Il Area Hospital Prices

Cash and insurance-negotiated prices at hospitals in and around Chicago Naperville Elgin Il, IL. Part of all Illinois hospital prices.

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.Good Deal · Below Fair Market
0.50×vs. Fair Market Price
Position vs. 1.00× Fair Price50% Below 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 50% below the fair benchmark (0.50×) 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).86/100 · Verified
86/100Hover Any Check Below to See How Prices Were Audited
File Completeness90Provenance (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 Logic88Coherence (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 Alignment86Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing83Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount84Cash 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 · Illinois Market & Best ValueSummarizes statewide hospital price coverage across Illinois, the average commercial markup over federal Medicare rates, and the #1 best-value hospital in the state.64 Hospitals · 140 Procedures
Hospitals Priced64 in ILTotal hospitals in Illinois with verified machine-readable price disclosures indexed in the Crystal.
Avg vs. Medicare1.4× MedicareAverage commercial insurance negotiated rate across Illinois hospitals compared to what federal Medicare pays for the same procedure.
Best Value in IL0.50× FairLowest confounder-adjusted hospital in Illinois: Porter-Starke Services Inc (Valparaiso) at 0.50× fair market price.

Most affordable Illinois hospital: Porter-Starke Services Inc (Valparaiso) at 0.50× the fair price (50% below benchmark).

Behavioral Pricing FingerprintLow Shoppable & Low Captive Rates

Uniform Value Leader · Low-Cost Across Departments

This hospital maintains low, disciplined commercial pricing across both routine shoppable procedures (0.5× Medicare, p50 0.57× Fair BaseRate) and emergency/ancillary services (1.0× Medicare, p75 0.62× Fair BaseRate). Both insured and self-pay patients benefit from below-benchmark rates across departments.

#7 of 107 in IL · 5th State Percentile#49 of 3,385 in U.S. · 1st National Percentile
Advantage

Where They're Good (Patient & Payer Edge)

  • Elective shoppable care is priced 50% below peer Fair BaseRate (0.50×)
  • Self-pay cash beats commercial insurance on 0% of shoppable procedures (25/100 Cash Honesty)
  • CMS clinical safety score (54/100 safety score) with 72% patient recommendation
  • IRS 501(c)(3) charity care provides free care up to 200% FPL and discounted care up to 400% FPL (48.6% AGB cap)
Watchout

Where You Can Get Burned (Markup Traps)

  • Even at low-cost facilities (0.50× 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 (0.7×) services average 2.00× higher multiples than routine shoppable care (0.5×)
  • Specialty infusion drugs (J-codes) average 1.1× Medicare — verify per-unit billing on itemized statements
  • Unnegotiated chargemaster list prices average 1.4× Medicare (59¢ true HCRIS cost per $1 gross)
Front-Door ShoppableElective / Imaging
0.5× Medicare

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

Back-Door Captive & ER2.00× Divergence
1.0× Medicare

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

Quantile Tail Spread+9% Upper Tail
Q25 0.43× · Q50 0.57× · Q75 0.62×

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
0.5× MedicareGood
Outpatient Surgery & ORBack-Door Captive
0.6× MedicareGood
Diagnostic Imaging (CT/MRI)Front-Door Shoppable
0.5× MedicareGood
Back-Door Captive ER VisitsBack-Door Captive
0.7× MedicareGood
Inpatient Lab & PathologyBack-Door Captive
0.7× MedicareGood
Specialty & Infusion Drugs (J-Codes)Back-Door Captive
1.1× MedicareGood
Self-Pay Cash Honesty & 501(r)Integrity & Outcomes
0% Cash Edge · 25/100Watchout
CMS Clinical Safety & Star ValueIntegrity & Outcomes
3 CMS · 54/100Elevated

Hospitals in the Chicago Naperville Elgin Il area

Ranked by how their prices compare to the fair BaseRate — best value first. The × fair figure is geo-adjusted. Tap any hospital for its full price list.

Compare prices by procedure in Chicago Naperville Elgin Il

Local prices across Chicago Naperville Elgin Il-area hospitals for 140 procedures.

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

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

Inpatient MS-DRG vs. Outpatient CPT Care-Setting Savings

Left Heart Diagnostic Cardiac CatheterizationDRG 247 vs CPT 93458
Inpatient: $20,027Outpatient: $6,499 Save $13,529 outpatient

Clinical Scope Note:Inpatient MS-DRG reflects a multi-day hospital admission (room, nursing, higher clinical acuity); outpatient CPT reflects the outpatient facility fee for clinically eligible low-acuity patients and excludes separate surgeon and anesthesia professional fees.

Total Hip Arthroplasty (Replacement)DRG 470 vs CPT 27130
Inpatient: $21,157Outpatient: $11,866 Save $9,291 outpatient

Clinical Scope Note:Inpatient MS-DRG reflects a multi-day hospital admission (room, nursing, higher clinical acuity); outpatient CPT reflects the outpatient facility fee for clinically eligible low-acuity patients and excludes separate surgeon and anesthesia professional fees.

Laparoscopic Total HysterectomyDRG 743 vs CPT 58571
Inpatient: $14,260Outpatient: $5,063 Save $9,197 outpatient

Clinical Scope Note:Inpatient MS-DRG reflects a multi-day hospital admission (room, nursing, higher clinical acuity); outpatient CPT reflects the outpatient facility fee for clinically eligible low-acuity patients and excludes separate surgeon and anesthesia professional fees.

Total Knee Arthroplasty (Replacement)DRG 470 vs CPT 27447
Inpatient: $21,157Outpatient: $12,160 Save $8,997 outpatient

Clinical Scope Note:Inpatient MS-DRG reflects a multi-day hospital admission (room, nursing, higher clinical acuity); outpatient CPT reflects the outpatient facility fee for clinically eligible low-acuity patients and excludes separate surgeon and anesthesia professional fees.

Laparoscopic Gallbladder RemovalDRG 419 vs CPT 47562
Inpatient: $14,924Outpatient: $7,271 Save $7,653 outpatient

Clinical Scope Note:Inpatient MS-DRG reflects a multi-day hospital admission (room, nursing, higher clinical acuity); outpatient CPT reflects the outpatient facility fee for clinically eligible low-acuity patients and excludes separate surgeon and anesthesia professional fees.

Prices are sourced from each hospital's federally-required public price file, most recently published October 2026. The BaseRate is a modeled fair-price estimate — not a bill or quote. How we build these numbers →