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Hospital Profile Critical Access Hospital Voluntary non-profit - Private 25 Beds · rural Updated: 2026-08-05

Lifecare Medical Center

715 Delmore Drive, Roseau, MN 56751 · 118 Priced Procedures · 69% Patient Recommendation

CMS Overall Rating No CMS Rating
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
0.62×vs. Fair Market Price
Position vs. 1.00× Fair Price38% 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 38% below the fair benchmark (0.62×) 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).52/100 · Caution
52/100Self-Pay Cash Beats Insurance 26% of the Time
File Completeness55Provenance (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 Logic36Coherence (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 Alignment61Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing72Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount45Cash 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 · Clinical Quality & ER SpeedChecks whether higher hospital prices actually buy better clinical quality — combining CMS Star Ratings, hospital safety scores, and emergency room wait times.Regional Value Leader
CMS Star RatingNot RatedOfficial CMS Overall Hospital Quality Star Rating (1 to 5 stars) summarizing mortality, safety of care, readmissions, and patient experience.
Safety Score69/100Composite patient safety score (0–100) derived from CMS hospital-acquired infection rates (CLABSI, CAUTI, MRSA, C. diff), surgical complications, and HCAHPS surveys.
Typical ER Wait119 minMedian minutes patients spent in the emergency department before leaving from the visit, as reported to CMS Timely and Effective Care.

Balances commercial hospital prices against CMS clinical safety, infection control, and patient experience.

Behavioral Pricing FingerprintLow Shoppable & Low Captive Rates

Uniform Value Leader · Low-Cost Across Departments

Lifecare Medical Center maintains low, disciplined commercial pricing across both routine shoppable procedures (1.1× Medicare, p50 0.43× Fair BaseRate) and emergency/ancillary services (0.6× Medicare, p75 1.05× Fair BaseRate). Both insured and self-pay patients benefit from below-benchmark rates across departments.

#6 of 76 in MN · 6th State Percentile#88 of 3,385 in U.S. · 2nd National Percentile
Advantage

Where They're Good (Patient & Payer Edge)

  • Elective shoppable care is priced 38% below peer Fair BaseRate (0.62×)
  • Self-pay cash beats commercial insurance on 26% of shoppable procedures (45/100 Cash Honesty)
  • CMS clinical safety score (69/100 safety score) with 69% patient recommendation
  • IRS 501(c)(3) charity care provides free care up to 200% FPL and discounted care up to 400% FPL (48.1% AGB cap)
Watchout

Where You Can Get Burned (Markup Traps)

  • Even at low-cost facilities (0.62× 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.
  • Commercial insurance median sits at 0.43× Fair BaseRate (1.1× Medicare), so insured patients should always compare the self-pay cash price before paying.
  • Upper-quartile procedures (Q75 1.05×) jump +144% above the median procedure ratio (Q50 0.43×)
  • Unnegotiated chargemaster list prices average 5.7× Medicare (25¢ true HCRIS cost per $1 gross)
Front-Door ShoppableElective / Imaging
1.1× Medicare

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

Back-Door Captive & ER0.55× Divergence
0.6× Medicare

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

Quantile Tail Spread+144% Upper Tail
Q25 0.32× · Q50 0.43× · Q75 1.05×

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
1.1× MedicareGood
Outpatient Surgery & ORBack-Door Captive
0.6× MedicareGood
Diagnostic Imaging (CT/MRI)Front-Door Shoppable
0.6× MedicareGood
Back-Door Captive ER VisitsBack-Door Captive
0.5× MedicareGood
Inpatient Lab & PathologyBack-Door Captive
0.5× MedicareGood
Specialty & Infusion Drugs (J-Codes)Back-Door Captive
0.5× MedicareGood
Self-Pay Cash Honesty & 501(r)Integrity & Outcomes
26% Cash Edge · 45/100Watchout
CMS Clinical Safety & Star ValueIntegrity & Outcomes
3 CMS · 69/100Fair

Procedure Prices at Lifecare Medical 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.

Sort:
Procedure & Billing Code This Hospital vs. Fair
Sepsis treatment (inpatient stay)
MS-DRG Code: 871
$8,296 0.4×
C-section delivery (full package)
CPT Code: 59510
$7,069 unverified
Vaginal delivery (full package)
CPT Code: 59400
$6,364 unverified
Cataract surgery with lens implant
CPT Code: 66984
$4,386 unverified
Sleep study (overnight, in lab)
CPT Code: 95810
$3,924 unverified
Digestive disorders treatment (inpatient stay)
MS-DRG Code: 392
$3,330 0.4×
Trauma team activation
HCPCS Code: G0390
$2,993 unverified
Bunion correction surgery
CPT Code: 28296
$1,725 unverified
Breast lump removal
CPT Code: 19120
$1,340 unverified
Echocardiogram (heart ultrasound)
CPT Code: 93306
$1,117 1.9×
Upper endoscopy with biopsy
CPT Code: 43239
$1,032 1.0×
Gallbladder removal (laparoscopic)
CPT Code: 47562
$920 0.2×
Blood transfusion
CPT Code: 36430
$895 unverified
Rabies immune globulin
HCPCS Code: 90375
$795 2.5×
Mental health services (assessment)
HCPCS Code: H0031
$808 unverified
Inguinal hernia repair
CPT Code: 49505
$686 0.2×
Ultrasound, leg veins (duplex)
CPT Code: 93970
$601 2.2×
Psychiatric evaluation (first visit)
CPT Code: 90791
$326 unverified
Speech therapy (language evaluation)
CPT Code: 92507
$278 3.2×
Hepatitis B immune globulin
HCPCS Code: 90371
$294 1.9×
Colonoscopy with biopsy
CPT Code: 45380
$317 0.3×
Group therapy session
CPT Code: 90853
$317 unverified
Colonoscopy (diagnostic)
CPT Code: 45378
$289 0.3×
Psychotherapy session (60 minutes)
CPT Code: 90837
$277 unverified
Family therapy session
CPT Code: 90847
$258 unverified
Showing top 25 high-impact procedures of 118 total
Inline Bill X-Ray & 501(r) Calculator 501(c)(3) Nonprofit · Free Care ≤200% FPL · AGB Cap 48.1%

Audit a Bill or Quote at Lifecare Medical Center (Zero PHI Required)

CMS CCN: 241344
CPT 871
Fair BaseRate™ $19,087
Medicare Rate $14,117
Self-Pay Cash $23,316
Insurer Median $8,296
Pre-filled with Lifecare Medical Center’s charged/list benchmark
Screened against 2026 HHS Federal Poverty Guidelines
2026 FPL: $15,650 + $5,500 per additional person
Step 1 · 501(r) Charity Care Check 501(r) AGB Cap: $12,755 (274% FPL)

Statutory 501(r) AGB Cap Limits Bill to $12,755

At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (48.1% of gross = $12,755).

Step 2 · Cash vs. Insurance Arbitrage Save $3,180 Paying Cash

Self-Pay Cash Rate ($23,316) Beats Your Bill

Lifecare Medical Center's published 45 CFR § 180 self-pay cash rate is $23,316 (vs. $8,296 commercial insurer median). Ask billing to reclassify the visit to prompt-pay self-pay if it beats your deductible.

Step 3 · Fair BaseRate Target +$7,409 Above Fair BaseRate

Negotiate Toward $19,087 Fair BaseRate ($14,117 Medicare)

Your bill ($26,496) is $7,409 above the denoised Fair BaseRate ($19,087) and 1.9× the $14,117 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: 411804205
Filing Period: 199507
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 (48.1% 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

Safety Composite69/100
Would Recommend69%
Rated 9 or 10 (HCAHPS)71%
Median ER Wait119 min
Left ER Before Seen0%
30-Day Mortality vs U.S.same
Unplanned Readmissionsame

CMS Price Transparency Administrative Enforcement Log

Factual public administrative actions published by the Centers for Medicare & Medicaid Services regarding 45 CFR § 180 compliance at Lifecare Medical Center. Prior administrative notices do not necessarily reflect current compliance status.

  • 2024-02-23·administrative_or_closure

    Met Requirements

    Recorded

Source: CMS Hospital Care Compare (82 completed HCAHPS patient surveys). 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 Quality & Price Benchmark Pareto Frontier (Price + Quality)

2D regional comparison of commercial negotiated price index against CMS clinical quality composite for Lifecare Medical Center.

Price Index: 0.43× regional baseline
Quality: 57/100 CMS composite
Median Household Income$73,611U.S. Census ACS
Local Uninsured Share4.3%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 52/100 · Caution CMS CCN 241344 EIN 411804205

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

Published MRF FileReports.aspx
Publication / Vintage2026-08-05 · 24.96 MB
Validated Rate Rows1,097 (CMS v3.0.0)
File Integrity DigestVerified · CCN 241344

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.