St Josephs Area Health Services
600 Pleasant Avenue, Park Rapids, MN 56470 · 74 Priced Procedures · 77% Patient Recommendation
Typical commercial prices here are +198% above the fair benchmark (2.98×) even after accounting for local nurse/doctor wages and patient complexity.
5-Star CMS clinical quality rating paired with 2.98× fair market pricing.
Wide Procedure Spread · Upper-Quartile Skew Pricer
St Josephs Area Health Services prices routine shoppable procedures at 4.8× Medicare (median 2.58× Fair BaseRate) while upper-quartile commercial rates jump +60% to 4.12× Fair BaseRate. Self-pay cash discounts and comparing specific CPT procedure codes before scheduling yield the strongest savings.
Where They're Good (Patient & Payer Edge)
- Bottom-quartile procedures (Q25) price at 1.90× the peer BaseRate benchmark
- Self-pay cash beats commercial insurance on 79% of shoppable procedures (99/100 Cash Honesty)
- CMS clinical safety score (78/100 safety score) with 77% patient recommendation
- IRS 501(c)(3) charity care provides free care up to 200% FPL and discounted care up to 400% FPL (40.4% AGB cap)
Where You Can Get Burned (Markup Traps)
- Outpatient surgery & OR suites carry a 2.4× markup over Medicare rates
- Commercial insurance median sits at 2.58× Fair BaseRate (4.8× Medicare), so insured patients should always compare the self-pay cash price before paying.
- Upper-quartile procedures (Q75 4.12×) jump +60% above the median procedure ratio (Q50 2.58×)
- Unnegotiated chargemaster list prices average 11.5× Medicare (17¢ 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 Josephs Area Health Services
High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 74 published procedures.
| Procedure & Billing Code | This Hospital | vs. Fair |
|---|---|---|
| Rabies immune globulin HCPCS Code: 90375 | $6,453 | unverified |
| Colonoscopy (diagnostic) CPT Code: 45378 | $2,742 | unverified |
| Colonoscopy with biopsy CPT Code: 45380 | $2,383 | unverified |
| Upper endoscopy with biopsy CPT Code: 43239 | $2,270 | unverified |
| Sleep study (overnight, in lab) CPT Code: 95810 | $2,214 | unverified |
| MRI, brain (with and without contrast) CPT Code: 70553 | $1,964 | unverified |
| Echocardiogram (heart ultrasound) CPT Code: 93306 | $1,915 | unverified |
| CT scan, abdomen and pelvis (with contrast) CPT Code: 74177 | $1,521 | 3.4× |
| CT scan, abdomen and pelvis (no contrast) CPT Code: 74176 | $1,423 | unverified |
| MRI, brain (no contrast) CPT Code: 70551 | $1,394 | 4.1× |
| MRI, lower back (no contrast) CPT Code: 72148 | $1,318 | 3.9× |
| CT scan, head (with and without contrast) CPT Code: 70470 | $1,096 | unverified |
| CT scan, chest (no contrast) CPT Code: 71250 | $1,047 | unverified |
| CT scan, pelvis CPT Code: 72192 | $1,032 | unverified |
| CT scan, head (no contrast) CPT Code: 70450 | $997 | unverified |
| CT scan, head (with contrast) CPT Code: 70460 | $997 | unverified |
| CT scan, neck (cervical spine) CPT Code: 72125 | $1,015 | unverified |
| CT scan, lower back (lumbar spine) CPT Code: 72131 | $987 | unverified |
| CT scan, sinuses CPT Code: 70486 | $932 | unverified |
| Hepatitis B immune globulin HCPCS Code: 90371 | $826 | 5.5× |
| Ultrasound, leg veins (duplex) CPT Code: 93970 | $603 | 2.2× |
| Ultrasound, abdomen (complete) CPT Code: 76700 | $604 | unverified |
| Ultrasound, abdomen (limited) CPT Code: 76705 | $604 | unverified |
| Ultrasound, pelvis CPT Code: 76856 | $593 | unverified |
| X-ray, lower back CPT Code: 72110 | $533 | unverified |
Audit a Bill or Quote at St Josephs Area Health Services (Zero PHI Required)
Statutory 501(r) AGB Cap Limits Bill to $4,737
At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (40.4% of gross = $4,737).
Self-Pay Cash Rate ($6,453) Beats Your Bill
St Josephs Area Health Services's published 45 CFR § 180 self-pay cash rate is $6,453 (vs. $6,453 commercial insurer median). Ask billing to reclassify the visit to prompt-pay self-pay if it beats your deductible.
Negotiate Toward $322 Fair BaseRate ($275 Medicare)
Your bill ($11,733) is $11,411 above the denoised Fair BaseRate ($322) and 42.7× the $275 Medicare rate.
Financial Assistance Policy (FAP) & Amounts Generally Billed (AGB)
Hospital-Specific CMS HCRIS Benchmark (40.4% 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.
Clinical Quality, Patient Experience & Infection Benchmarks
Source: CMS Hospital Care Compare (184 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 Josephs Area Health Services.
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.