Three Rivers Medical Center
2485 Highway 644, Louisa, KY 41230 · 90 Priced Procedures · 79% Patient Recommendation
Typical commercial prices here are 28% below the fair benchmark (0.72×) after accounting for local nurse/doctor wages and patient complexity.
4-Star CMS clinical quality rating paired with 0.72× fair market pricing.
Uniform Value Leader · Low-Cost Across Departments
Three Rivers Medical Center maintains low, disciplined commercial pricing across both routine shoppable procedures (0.9× Medicare, p50 0.64× Fair BaseRate) and emergency/ancillary services (0.9× Medicare, p75 1.01× 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 28% below peer Fair BaseRate (0.72×)
- Self-pay cash beats commercial insurance on 35% of shoppable procedures (99/100 Cash Honesty)
- CMS clinical safety score (73/100 safety score) with 79% patient recommendation
- 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 1.1× markup over Medicare rates
- Commercial insurance median sits at 0.64× Fair BaseRate (0.9× Medicare), so insured patients should always compare the self-pay cash price before paying.
- Upper-quartile procedures (Q75 1.01×) jump +58% above the median procedure ratio (Q50 0.64×)
- Consolidated metro market (HHI 3,092) limits in-network hospital competition (Highly Concentrated Monopoly (>2,500))
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 Three Rivers Medical Center
High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 90 published procedures.
| Procedure & Billing Code | This Hospital | vs. Fair |
|---|---|---|
| Sepsis treatment (inpatient stay) MS-DRG Code: 871 | $12,233 | 0.6× |
| Digestive disorders treatment (inpatient stay) MS-DRG Code: 392 | $4,864 | 0.6× |
| X-ray, chest (single view) CPT Code: 71045 | $855 | 9.3× |
| Blood transfusion CPT Code: 36430 | $866 | unverified |
| MRI, brain (with and without contrast) CPT Code: 70553 | $755 | unverified |
| Rabies immune globulin HCPCS Code: 90375 | $651 | unverified |
| Sleep study (overnight, in lab) CPT Code: 95810 | $542 | 0.5× |
| Speech therapy (language evaluation) CPT Code: 92507 | $479 | unverified |
| MRI, lower back (no contrast) CPT Code: 72148 | $400 | 1.2× |
| MRI, brain (no contrast) CPT Code: 70551 | $366 | 1.1× |
| MRI, knee or other leg joint CPT Code: 73721 | $345 | 0.9× |
| CT scan, abdomen and pelvis (with contrast) CPT Code: 74177 | $304 | 0.7× |
| CT scan, head (with and without contrast) CPT Code: 70470 | $246 | 1.0× |
| Echocardiogram (heart ultrasound) CPT Code: 93306 | $220 | 0.4× |
| Hospital observation (per hour) HCPCS Code: G0378 | $190 | 2.2× |
| CT scan, pelvis CPT Code: 72192 | $206 | 1.3× |
| CT scan, chest (no contrast) CPT Code: 71250 | $209 | 1.3× |
| CT scan, lower back (lumbar spine) CPT Code: 72131 | $209 | 1.2× |
| CT scan, neck (cervical spine) CPT Code: 72125 | $209 | 1.2× |
| CT scan, sinuses CPT Code: 70486 | $177 | 1.1× |
| CT scan, head (with contrast) CPT Code: 70460 | $202 | 0.8× |
| CT scan, abdomen and pelvis (no contrast) CPT Code: 74176 | $194 | 0.6× |
| CT scan, head (no contrast) CPT Code: 70450 | $164 | 1.0× |
| Hepatitis B immune globulin HCPCS Code: 90371 | $153 | 1.0× |
| Breathing treatment (nebulizer) CPT Code: 94640 | $153 | 0.8× |
Audit a Bill or Quote at Three Rivers Medical 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.
Self-Pay Cash Rate ($37,494) Beats Your Bill
Three Rivers Medical Center's published 45 CFR § 180 self-pay cash rate is $37,494 (vs. $12,233 commercial insurer median). Ask billing to reclassify the visit to prompt-pay self-pay if it beats your deductible.
Negotiate Toward $19,087 Fair BaseRate ($14,117 Medicare)
Your bill ($62,489) is $43,402 above the denoised Fair BaseRate ($19,087) and 4.4× the $14,117 Medicare rate.
Financial Assistance Policy (FAP) & Amounts Generally Billed (AGB)
Public IRS & CMS ownership records classify Three Rivers Medical 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 (121 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 Three Rivers Medical 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.