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County Price & Affordability Audit 4 of 5 Hospitals Priced Pop. 409,830 $102,912 Median Income

St. Charles County, MO Hospital Rates

Compare hospital price transparency compliance, fair price benchmarks, and local household charity-care eligibility across all 5 mapped hospitals in St. Charles County.

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.Above Fair Market · Negotiate
1.18×vs. Fair Market Price
Position vs. 1.00× Fair Price+18% 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 +18% above the fair benchmark (1.18×) 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 · St. Charles County Affordability & CoverageSummarizes local hospital price disclosure compliance in St. Charles County, U.S. Census median household income, local uninsured rate, and federal 200%–400% FPL charity-care income thresholds.4 of 5 Hospitals Priced
Hospitals Priced4 of 5Number of CMS-certified hospitals located inside St. Charles County that have published machine-readable price files out of all 5 local facilities.
Median Income$102.9k / yrU.S. Census ACS median annual household income in St. Charles County ($102,912/yr), used to measure medical bill burden and charity-care eligibility.
Uninsured Rate4.3%Percentage of St. Charles County residents without health insurance who rely on self-pay cash discounts and 501(r) nonprofit hospital financial assistance.

Local charity-care income cutoffs (200%–400% FPL): up to $31,920 (single) and $128,600 (family of 4) qualify for free or discounted hospital care.

County Hospital Pricing & Affordability Audit4 of 5 Local Hospitals Priced

St. Charles County, MO Hospital Price & Affordability Summary

St. Charles County, Missouri (pop. 409,830) has 5 CMS-certified hospitals (4 publishing verified machine-readable price files) with a local price index of 1.18× the U.S. fair price benchmark and a $102,912 median household income.

County Price Index: 1.18× Fair MarketMedian Income: $102,912/yr
Advantage

Best Value & Patient Protections in St. Charles County

  • 4 of 5 hospitals in St. Charles County publish verified 45 CFR § 180 price files (SSM St Joseph Hospital West, Barnes-Jewish St Peters Hospital, Progress West Hospital).
  • High-rated local clinical care: Progress West Hospital (4/5 CMS Stars).
  • Under federal 26 U.S.C. § 501(r), nonprofit hospitals must provide discounted Financial Assistance Policy (FAP) rates for St. Charles County families earning up to $128,600/yr (400% FPL).
Watchout

Where St. Charles County Patients Get Burned (Billing Watchouts)

  • 1 facility in St. Charles County (Centerpointe Hospital) lacks an indexed MRF price schedule — always demand a written Good Faith Estimate before scheduling.
  • With a 4.3% local uninsured rate and $102,912 median household income, an unnegotiated $5,000 hospital bill equals 2.5 weeks of typical St. Charles County family take-home pay.
  • Emergency department and inpatient ancillary charges vary significantly across Missouri counties — inspect each hospital's profile below before paying a full chargemaster bill.
County MRF Price Coverage80% Published
4 of 5 Hospitals

Includes SSM St Joseph Hospital West & Barnes-Jewish St Peters Hospital.

Free Care Income Cutoff (200% FPL)Nonprofit 501(r) Rule
$31,920 – $64,300

Single ($31,920) to Family of 4 ($64,300) threshold for 100% free charity care.

Discounted Care Cutoff (400% FPL)AGB Billing Cap
Up to $128,600/yr

4-person household income cap qualifying for statutory AGB billing limits in St. Charles County.

Missouri County Price & Affordability Heatmap 47 of 115 Counties with MRF Hospital Data

Missouri County-Level Hospital Price & Affordability Heatmap

Hospital price index, Medicare markup, and household affordability burden across 115 counties in Missouri

<0.94× Affordable 0.94–1.06× Near Avg 1.06–1.20× Elevated >1.20× High-Markup
Jackson County9hosps
1.01× Fair
Income $67k
St. Louis County8hosps
1.12× Fair
Income $81k
St. Louis city4hosps
1.11× Fair
Income $55k
St. Charles County4hosps
1.18× Fair
Income $103k
Clay County3hosps
1.34× Fair
Income $86k
Jasper County2hosps
1.07× Fair
Income $58k
Newton County2hosps
1.07× Fair
Income $65k
Cape Girardeau County2hosps
1.09× Fair
Income $69k
St. Francois County2hosps
1.09× Fair
Income $55k
Boone County2hosps
1.17× Fair
Income $70k
Barry County2hosps
1.31× Fair
Income $57k
Cass County2hosps
1.53× Fair
Income $87k
Greene County2hosps
1.71× Fair
Income $57k
Buchanan County1hosp
0.76× Fair
Income $59k
Cedar County1hosp
0.82× Fair
Income $46k
Harrison County1hosp
0.88× Fair
Income $53k
Lafayette County1hosp
0.90× Fair
Income $79k
Bates County1hosp
0.90× Fair
Income $58k
Scott County1hosp
0.91× Fair
Income $59k
Laclede County1hosp
0.92× Fair
Income $51k
Polk County1hosp
0.93× Fair
Income $57k
Henry County1hosp
0.93× Fair
Income $57k
Jefferson County1hosp
0.94× Fair
Income $81k
Franklin County1hosp
0.95× Fair
Income $72k
Showing top 24 counties with hospital price filings of 115 total in Missouri

All Hospitals in St. Charles County (5)

Select any published hospital below to inspect its procedure price list, insurer discounts, and official MRF verification links.

MRF Compliance: 4 of 5 Published

Compare Procedure Prices Across All Missouri Hospitals

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