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Monticello Area Hospital Prices

Cash and insurance-negotiated prices at hospitals in and around Monticello, IN. Part of all Indiana 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.High Markup · Shop Alternatives
1.85×vs. Fair Market Price
Position vs. 1.00× Fair Price+85% 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 +85% above the fair benchmark (1.85×) 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).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 · Indiana Market & Best ValueSummarizes statewide hospital price coverage across Indiana, the average commercial markup over federal Medicare rates, and the #1 best-value hospital in the state.1 Hospitals Mapped
Hospitals Priced1 in INTotal hospitals in Indiana with verified machine-readable price disclosures indexed in the Crystal.
Avg vs. Medicare1.4× MedicareAverage commercial insurance negotiated rate across Indiana hospitals compared to what federal Medicare pays for the same procedure.
Best Value in IN1.85× FairLowest confounder-adjusted hospital in Indiana: Indiana University Health White Memorial Hospital (Monticello) at 1.85× fair market price.

Most affordable Indiana hospital: Indiana University Health White Memorial Hospital (Monticello) at 1.85× the fair price (1% below benchmark).

Behavioral Pricing FingerprintUpper-Quartile Spread · +32% Tail Jump

Wide Procedure Spread · Upper-Quartile Skew Pricer

This hospital prices routine shoppable procedures at 2.8× Medicare (median 1.81× Fair BaseRate) while upper-quartile commercial rates jump +32% to 2.39× Fair BaseRate. Self-pay cash discounts and comparing specific CPT procedure codes before scheduling yield the strongest savings.

#95 of 107 in IN · 87th State Percentile#2,982 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 85% of shoppable procedures (99/100 Cash Honesty)
  • 5-Star CMS clinical rating with 72% patient recommendation (69/100 safety score)
  • IRS 501(c)(3) charity care provides free care up to 200% FPL and discounted care up to 400% FPL (52.5% AGB cap)
Watchout

Where You Can Get Burned (Markup Traps)

  • Outpatient surgery & OR suites carry a 2.3× 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 2.39×) jump +32% 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+32% Upper Tail
Q25 0.98× · Q50 1.81× · Q75 2.39×

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
2.3× MedicareFair
Diagnostic Imaging (CT/MRI)Front-Door Shoppable
2.2× MedicareFair
Back-Door Captive ER VisitsBack-Door Captive
2.7× MedicareFair
Inpatient Lab & PathologyBack-Door Captive
3.8× MedicareElevated
Specialty & Infusion Drugs (J-Codes)Back-Door Captive
2.1× MedicareGood
Self-Pay Cash Honesty & 501(r)Integrity & Outcomes
85% Cash Edge · 99/100Good
CMS Clinical Safety & Star ValueIntegrity & Outcomes
5 CMS · 69/100Fair

Hospitals in the Monticello 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.

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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 →