How many shoppable procedure prices are published for Indiana University Health Bedford Hospital?

Indiana University Health Bedford Hospital in Bedford, IN currently has 123 standardized procedure price records indexed from its public 45 CFR § 180 machine-readable file.

How do Indiana University Health Bedford Hospital's commercial prices compare to the fair BaseRate?

Across scored shoppable procedures, Indiana University Health Bedford Hospital's median negotiated commercial rate is 1.9× the regionally adjusted fair BaseRate benchmark.

What is Indiana University Health Bedford Hospital's CMS Care Compare overall star rating?

CMS Care Compare assigns Indiana University Health Bedford Hospital an overall hospital quality rating of 3 out of 5 stars based on public federal clinical and patient-experience measures.

Hospital Profile Critical Access Hospital Voluntary non-profit - Private 25 Beds · rural Updated: 2026-03-25

Indiana University Health Bedford Hospital

2900 W 16Th St, Bedford, IN 47421 · 123 Priced Procedures

CMS Overall Rating 3 / 5 Stars

High Markup · Shop Alternatives

1.85×vs. Fair Market Price

Typical commercial prices here are +85% above the fair benchmark (1.85×) even after accounting for local nurse/doctor wages and patient complexity.

83/100 · Corroborated

83/100Self-Pay Cash Beats Insurance 87% of the Time

File Completeness100

Price Logic69

Peer Alignment58

Clean Billing90

Real Cash Discount100

High-Markup · Check Safety

3-Star CMS clinical quality rating paired with 1.85× fair market pricing.

Behavioral Pricing FingerprintUpper-Quartile Spread · +33% Tail Jump

Wide Procedure Spread · Upper-Quartile Skew Pricer

Indiana University Health Bedford Hospital prices routine shoppable procedures at 2.8× Medicare (median 1.81× Fair BaseRate) while upper-quartile commercial rates jump +33% to 2.40× Fair BaseRate. Self-pay cash discounts and comparing specific CPT procedure codes before scheduling yield the strongest savings.

#97 of 107 in IN · 89th State Percentile#2,984 of 3,385 in U.S. · 88th National Percentile

Advantage

Where They're Good (Patient & Payer Edge)

Bottom-quartile procedures (Q25) price at 0.98× the peer BaseRate benchmark
Self-pay cash beats commercial insurance on 87% of shoppable procedures (99/100 Cash Honesty)
CMS clinical safety score (71/100 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 (54.4% AGB cap)

Watchout

Where You Can Get Burned (Markup Traps)

Outpatient surgery & OR suites carry a 2.5× markup over Medicare rates
Commercial insurance median sits at 1.81× Fair BaseRate (2.8× Medicare), so insured patients should always compare the self-pay cash price before paying.
Upper-quartile procedures (Q75 2.40×) jump +33% above the median procedure ratio (Q50 1.81×)
Consolidated metro market (HHI 10,000) limits in-network hospital competition (Highly Concentrated Monopoly (>2,500))

Front-Door ShoppableElective / Imaging

2.8× Medicare

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

Back-Door Captive & ER0.43× Divergence

1.2× Medicare

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

Quantile Tail Spread+33% Upper Tail

Q25 0.98× · Q50 1.81× · Q75 2.40×

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

2.8× MedicareFair

Outpatient Surgery & ORBack-Door Captive

2.5× MedicareFair

Diagnostic Imaging (CT/MRI)Front-Door Shoppable

2.4× MedicareFair

Back-Door Captive ER VisitsBack-Door Captive

2.9× MedicareFair

Inpatient Lab & PathologyBack-Door Captive

3.7× MedicareElevated

Specialty & Infusion Drugs (J-Codes)Back-Door Captive

2.4× MedicareFair

Self-Pay Cash Honesty & 501(r)Integrity & Outcomes

87% Cash Edge · 99/100Good

CMS Clinical Safety & Star ValueIntegrity & Outcomes

3 CMS · 71/100Fair

Procedure Prices at Indiana University Health Bedford Hospital

High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 123 published procedures.

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Audit a Bill & 501(r) Cap ↓

Procedure & Billing Code	Self-Pay Cash	This Hospital	Fair BaseRate	vs. Fair
Spinal fusion, single level (inpatient stay) MS-DRG Code: `451`	—	$66,354	$30,775	2.2×
Sepsis treatment (inpatient stay) MS-DRG Code: `871`	—	$39,900	$19,087	2.1×
Hip or knee replacement (inpatient stay) MS-DRG Code: `470`	—	$39,621	$19,432	2.0×
Heart stent placement (inpatient stay) MS-DRG Code: `322`	—	$36,213	$17,936	2.0×
Total hip replacement CPT Code: `27130`	—	$26,103	$13,413	1.9×
Total knee replacement CPT Code: `27447`	—	$26,103	$13,523	1.9×
Digestive disorders treatment (inpatient stay) MS-DRG Code: `392`	—	$16,013	$8,223	1.9×
Gallbladder removal (laparoscopic) CPT Code: `47562`	—	$15,510	$6,109	2.5×
Inguinal hernia repair CPT Code: `49505`	—	$9,794	$3,629	2.7×
Knee arthroscopy with meniscus repair CPT Code: `29881`	—	$8,085	$3,372	2.4×
Cataract surgery with lens implant CPT Code: `66984`	—	$6,133	$2,540	2.4×
Trauma team activation HCPCS Code: `G0390`	$5,622	$5,622	$1,453	3.9×
Colonoscopy with biopsy CPT Code: `45380`	—	$5,000	$1,256	4.0×
Upper endoscopy with biopsy CPT Code: `43239`	$1,690	$4,826	$987	unverified
Sleep study (overnight, in lab) CPT Code: `95810`	$1,744	$4,146	$1,021	4.1×
Injection procedure for pain management HCPCS Code: `G0260`	$1,319	$3,650	$855	4.3×
Bunion correction surgery CPT Code: `28296`	—	$1,905	$3,446	0.6×
Breast lump removal CPT Code: `19120`	$1,810	$1,810	$3,875	0.5×
Colonoscopy (diagnostic) CPT Code: `45378`	$1,239	$1,239	$981	unverified
MRI, brain (no contrast) CPT Code: `70551`	$468	$925	$343	2.7×
MRI, knee or other leg joint CPT Code: `73721`	$560	$925	$369	2.5×
MRI, brain (with and without contrast) CPT Code: `70553`	$619	$925	$511	1.8×
MRI, lower back (no contrast) CPT Code: `72148`	$468	$925	$338	unverified
Echocardiogram (heart ultrasound) CPT Code: `93306`	$1,010	$789	$583	1.4×
CT scan, head (no contrast) CPT Code: `70450`	$265	$725	$160	4.5×
CT scan, sinuses CPT Code: `70486`	$265	$725	$166	4.4×
CT scan, neck (cervical spine) CPT Code: `72125`	$254	$725	$169	4.3×
CT scan, head (with and without contrast) CPT Code: `70470`	$409	$725	$258	2.8×
CT scan, abdomen and pelvis (no contrast) CPT Code: `74176`	$468	$725	$303	2.4×
CT scan, abdomen and pelvis (with contrast) CPT Code: `74177`	$783	$725	$448	1.6×
CT scan, head (with contrast) CPT Code: `70460`	$409	$725	$242	unverified
CT scan, chest (no contrast) CPT Code: `71250`	$265	$725	$167	unverified
CT scan, lower back (lumbar spine) CPT Code: `72131`	$265	$725	$168	unverified
CT scan, pelvis CPT Code: `72192`	$265	$725	$163	unverified
Rabies immune globulin HCPCS Code: `90375`	$488	$691	$322	2.1×
Ultrasound, abdomen (limited) CPT Code: `76705`	$199	$350	$126	2.8×
Ultrasound, pelvis CPT Code: `76856`	$199	$350	$130	2.7×
Ultrasound, thyroid and neck CPT Code: `76536`	$199	$350	$132	2.7×
Ultrasound, abdomen (complete) CPT Code: `76700`	$199	$350	$134	2.6×
Psychotherapy session (60 minutes) CPT Code: `90837`	$208	$360	$181	2.0×
Ultrasound, leg veins (duplex) CPT Code: `93970`	$1,544	$350	$272	1.3×
Blood transfusion CPT Code: `36430`	$960	$296	$498	0.6×
Hepatitis B immune globulin HCPCS Code: `90371`	$1,404	$266	$151	1.8×
Family therapy session CPT Code: `90847`	$129	$247	$173	1.4×
Electrocardiogram (EKG, tracing only) CPT Code: `93005`	$83	$165	$64	2.6×
Speech therapy (language evaluation) CPT Code: `92507`	$168	$186	$86	2.2×
Group therapy session CPT Code: `90853`	$74	$202	$100	2.0×
Diagnostic procedure preparation HCPCS Code: `G0279`	$61	$175	$35	5.0×
X-ray, chest (single view) CPT Code: `71045`	$92	$200	$92	2.2×
X-ray, shoulder CPT Code: `73030`	$165	$200	$92	2.2×
X-ray, foot CPT Code: `73630`	$165	$200	$92	2.2×
X-ray, chest (two views) CPT Code: `71046`	$92	$200	$93	2.2×
X-ray, neck (cervical spine) CPT Code: `72040`	$136	$200	$93	2.2×
X-ray, hand CPT Code: `73130`	$165	$200	$93	2.2×
X-ray, hip CPT Code: `73502`	$136	$200	$93	2.2×
X-ray, ankle CPT Code: `73610`	$165	$200	$93	2.2×
X-ray, lower back CPT Code: `72110`	$245	$200	$112	1.8×
Screening mammogram (both breasts) CPT Code: `77067`	$281	$175	$123	1.4×
Diagnostic mammogram (both breasts) CPT Code: `77066`	$297	$175	$148	1.2×
X-ray, pelvis CPT Code: `72170`	$245	$200	$110	unverified
Office visit, established patient (30-39 min) CPT Code: `99214`	$269	$174	$123	1.4×
Psychological testing evaluation CPT Code: `96136`	$512	$159	$128	1.2×
Psychotherapy session (45 minutes) CPT Code: `90834`	$98	$180	$166	1.1×
Psychiatric evaluation (first visit) CPT Code: `90791`	$178	$159	$185	0.9×
Psychological testing by technician CPT Code: `96138`	$512	$159	$395	0.4×
Speech therapy (group session) CPT Code: `92508`	$114	$114	$27	4.2×
Physical therapy (functional capacity test) CPT Code: `97750`	$71	$124	$38	3.3×
Physical therapy (gait training) CPT Code: `97116`	$47	$93	$33	2.8×
Occupational therapy (self-care training) CPT Code: `97535`	$62	$103	$38	2.7×
Physical therapy (manual therapy) CPT Code: `97140`	$86	$88	$34	2.6×
Physical therapy (neuromuscular re-education) CPT Code: `97112`	$55	$90	$38	2.4×
Occupational therapy (therapeutic activities) CPT Code: `97530`	$51	$91	$40	2.3×
Orthotic fitting and training CPT Code: `97760`	$53	$103	$51	2.0×
New patient office visit (30-44 min) CPT Code: `99203`	$53	$98	$110	0.9×
Typhoid vaccine HCPCS Code: `90675`	$1,327	$456	$347	1.3×
Pneumococcal vaccine HCPCS Code: `90732`	$141	$258	$140	1.8×
MMR vaccine (measles, mumps, rubella) HCPCS Code: `90707`	$182	$184	$111	1.7×
Varicella (chickenpox) vaccine HCPCS Code: `90716`	$408	$201	$203	1.0×
Drug screening test HCPCS Code: `G0480`	$92	$114	$116	1.0×
Physical therapy (therapeutic exercise) CPT Code: `97110`	$54	$75	$35	2.1×
Hepatitis B vaccine HCPCS Code: `90744`	$63	$64	$37	1.7×
Prosthetic fitting and training CPT Code: `97761`	$50	$77	$45	1.7×
DTaP vaccine (diphtheria, tetanus, pertussis) HCPCS Code: `90700`	$55	$57	$39	1.5×
Tdap vaccine (tetanus, diphtheria, pertussis) HCPCS Code: `90715`	$124	$77	$56	1.4×
Electrical stimulation therapy HCPCS Code: `G0283`	$69	$69	$14	unverified
Blood test, comprehensive metabolic panel CPT Code: `80053`	$17	$11	$11	1.0×
Blood test, calcium CPT Code: `82310`	$9	$5	$5	1.0×
Blood test, creatinine (kidney) CPT Code: `82565`	$9	$5	$5	1.0×
Blood test, ferritin (iron stores) CPT Code: `82728`	$22	$14	$14	1.0×
Blood test, vitamin D CPT Code: `82306`	$31	$30	$31	1.0×
Colorectal cancer screening (alternative) HCPCS Code: `G0145`	$43	$26	$27	1.0×
Office visit, established patient (20-29 min) CPT Code: `99213`	$43	$43	$87	0.5×
Hospital observation (per hour) HCPCS Code: `G0378`	$36	$36	$86	0.4×
Urinalysis (automated, with microscopy) CPT Code: `81001`	$5	$3	$3	1.0×
Blood test, glucose (blood sugar) CPT Code: `82947`	$7	$4	$4	1.0×
Blood test, average blood sugar (A1c) CPT Code: `83036`	$12	$10	$10	1.0×
Blood test, lipase CPT Code: `83690`	$11	$7	$7	1.0×
Blood test, magnesium CPT Code: `83735`	$11	$7	$7	1.0×
Blood test, potassium CPT Code: `84132`	$8	$5	$5	1.0×
Blood test, sodium CPT Code: `84295`	$8	$5	$5	1.0×
Blood test, urea nitrogen (BUN, kidney) CPT Code: `84520`	$7	$4	$4	1.0×
Blood test, complete blood count (CBC) CPT Code: `85025`	$13	$8	$8	1.0×
Blood test, clotting time (PTT) CPT Code: `85730`	$10	$6	$6	1.0×
Culture, bacterial CPT Code: `87070`	$15	$9	$9	1.0×
Prostate cancer screening (blood test) HCPCS Code: `G0103`	$30	$19	$20	0.9×
Blood test, PSA (prostate screen) CPT Code: `84153`	$19	$18	$19	0.9×
Blood test, thyroid (TSH) CPT Code: `84443`	$17	$17	$18	0.9×
Blood test, vitamin B12 CPT Code: `82607`	$25	$15	$16	0.9×
Hepatitis C antibody test CPT Code: `86803`	$15	$14	$15	0.9×
Blood test, cholesterol (lipid panel) CPT Code: `80061`	$22	$13	$14	0.9×
Breathing treatment (nebulizer) CPT Code: `94640`	$38	$38	$201	0.2×
Culture, blood CPT Code: `87040`	$17	$10	$11	0.9×
Blood test, basic metabolic panel CPT Code: `80048`	$14	$8	$9	0.9×
Blood test, liver function panel CPT Code: `80076`	$14	$8	$9	0.9×
Blood test, amylase CPT Code: `82150`	$11	$6	$7	0.9×
Pneumonia vaccine injection HCPCS Code: `G0009`	$31	$31	$49	0.6×
Colorectal cancer screening HCPCS Code: `G0010`	$31	$31	$49	0.6×
Flu vaccine injection HCPCS Code: `G0008`	$31	$31	$48	unverified
Blood test, clotting time (PT/INR) CPT Code: `85610`	$7	$4	$5	0.8×
Blood test, hemoglobin CPT Code: `85018`	$5	$2	$3	0.7×
Blood antibody screen CPT Code: `86850`	$75	$10	$46	0.2×
Flu vaccine (high dose) HCPCS Code: `90656`	$4	$4	$25	0.2×
Community mental health services HCPCS Code: `H0038`	$25	$25	$16	unverified

Showing top 25 high-impact procedures of 123 total

Inline Bill X-Ray & 501(r) Calculator 501(c)(3) Nonprofit · Free Care ≤200% FPL · AGB Cap 54.4%

Audit a Bill or Quote at Indiana University Health Bedford Hospital (Zero PHI Required)

CMS CCN: 151328

CPT 451

Select Procedure to Audit:

Fair BaseRate™ $30,775

Medicare Rate $23,504

Self-Pay Cash Request Quote

Insurer Median $66,354

1. Amount on Your Bill or Quote ($) Pre-filled with Indiana University Health Bedford Hospital’s charged/list benchmark

2. Household Annual Income ($) Screened against 2026 HHS Federal Poverty Guidelines

3. Household Size (1–8) 2026 FPL: $15,650 + $5,500 per additional person

Step 1 · 501(r) Charity Care Check 501(r) AGB Cap: $86,680 (274% FPL)

Statutory 501(r) AGB Cap Limits Bill to $86,680

At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (54.4% of gross = $86,680).

Step 2 · Cash vs. Insurance Arbitrage Request Prompt-Pay Quote

Compare Prompt-Pay Cash Rate Against Remaining Deductible

Ask Indiana University Health Bedford Hospital's billing desk for their written 45 CFR § 180 discounted self-pay cash price and Good Faith Estimate under the No Surprises Act.

Step 3 · Fair BaseRate Target +$128,475 Above Fair BaseRate

Negotiate Toward $30,775 Fair BaseRate ($23,504 Medicare)

Your bill ($159,250) is $128,475 above the denoised Fair BaseRate ($30,775) and 6.8× the $23,504 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)

EIN: 237042323

Filing Period: 196905

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 (54.4% 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 Overall3/5 Stars (3/5)

Safety Composite71/100

Median ER Wait191 min

Left ER Before Seen3%

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 Infectionbetter

Source: CMS Hospital Care Compare. 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

Regional Value & Quality Leader Pareto Frontier (Price + Quality)

2D regional comparison of commercial negotiated price index against CMS clinical quality composite for Indiana University Health Bedford Hospital.

Price Index: 1.00× regional baseline

Quality: 59/100 CMS composite

Median Household Income$65,551U.S. Census ACS

Local Uninsured Share6.4%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 83/100 · Corroborated CMS CCN 151328 EIN 237042323

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

Download Official Hospital MRF ↗ Verify on CMS Medicare.gov (CCN 151328) ↗ Verify IRS Form 990 (EIN 237042323) ↗ CMS HCRIS Cost Reports ↗

Published MRF File237042323_indiana-university-health-bedford-inc._standardcharges.zip!237042323_indiana-university-health-bedford-inc._standardcharges.csv

Publication / Vintage2026-03-25 · 59.00 MB

Validated Rate Rows8,107 (CMS v3.0)

File Integrity Digest210b91d6c8716e5dfe8b…

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.

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