St Vincent Heart Center
10580 N Meridian St, Carmel, IN 46290 · 118 Priced Procedures · 85% Patient Recommendation
Typical commercial prices here are 51% below the fair benchmark (0.49×) after accounting for local nurse/doctor wages and patient complexity.
4-Star CMS clinical quality rating paired with 0.49× fair market pricing.
Uniform Value Leader · Low-Cost Across Departments
St Vincent Heart Center maintains low, disciplined commercial pricing across both routine shoppable procedures (0.6× Medicare, p50 0.54× Fair BaseRate) and emergency/ancillary services (0.8× Medicare, p75 0.73× 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 51% below peer Fair BaseRate (0.49×)
- Self-pay cash beats commercial insurance on 4% of shoppable procedures (99/100 Cash Honesty)
- 5-Star CMS clinical rating with 85% patient recommendation (73/100 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 3.4× markup over Medicare rates
- Captive ER (2.3×) & laboratory (1.7×) services average 1.33× higher multiples than routine shoppable care (0.6×)
- Upper-quartile procedures (Q75 0.73×) jump +35% above the median procedure ratio (Q50 0.54×)
- Unnegotiated chargemaster list prices average 14.4× Medicare (14¢ true HCRIS cost per $1 gross)
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 St Vincent Heart Center
High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 118 published procedures.
Audit a Bill or Quote at St Vincent Heart Center (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 St Vincent Heart Center'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 $8,223 Fair BaseRate ($5,676 Medicare)
Your bill ($33,233) is $25,010 above the denoised Fair BaseRate ($8,223) and 5.9× the $5,676 Medicare rate.
Financial Assistance Policy (FAP) & Amounts Generally Billed (AGB)
Public IRS & CMS ownership records classify St Vincent Heart Center 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 (384 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 St Vincent Heart Center.
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.