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Hospital Profile General Acute Care Hospital Updated: 2026-06-23

Long Term Acute Care Hospital Mosaic Life Care at St Joseph

5325 Faraon St, Saint Joseph, MO 64506 · 142 Priced Procedures

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
0.76×vs. Fair Market Price
Position vs. 1.00× Fair Price24% 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 24% below the fair benchmark (0.76×) 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).78/100 · Corroborated
78/100Self-Pay Cash Beats Insurance 46% of the Time
File Completeness66Provenance (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 Logic80Coherence (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 Alignment64Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing89Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount91Cash 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 ScoreNot ScoredComposite patient safety score (0–100) derived from CMS hospital-acquired infection rates (CLABSI, CAUTI, MRSA, C. diff), surgical complications, and HCAHPS surveys.
Typical ER WaitNo ER DataMedian 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

Long Term Acute Care Hospital Mosaic Life Care at St Joseph maintains low, disciplined commercial pricing across both routine shoppable procedures (0.7× Medicare, p50 0.74× Fair BaseRate) and emergency/ancillary services (1.0× Medicare, p75 0.93× Fair BaseRate). Both insured and self-pay patients benefit from below-benchmark rates across departments.

#2 of 79 in MO · 1st State Percentile#203 of 3,385 in U.S. · 5th National Percentile
Advantage

Where They're Good (Patient & Payer Edge)

  • Elective shoppable care is priced 24% below peer Fair BaseRate (0.76×)
  • Self-pay cash beats commercial insurance on 46% of shoppable procedures (91/100 Cash Honesty)
  • CMS clinical safety score (54/100 safety score) with 72% patient recommendation
  • IRS 501(c)(3) charity care provides free care up to 200% FPL and discounted care up to 400% FPL (33.4% AGB cap)
Watchout

Where You Can Get Burned (Markup Traps)

  • Even at low-cost facilities (0.76× 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.
  • Captive ER (1.3×) & laboratory (0.9×) services average 1.43× higher multiples than routine shoppable care (0.7×)
  • Upper-quartile procedures (Q75 0.93×) jump +26% above the median procedure ratio (Q50 0.74×)
  • Unnegotiated chargemaster list prices average 6.9× Medicare (19¢ true HCRIS cost per $1 gross)
Front-Door ShoppableElective / Imaging
0.7× Medicare

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

Back-Door Captive & ER1.43× Divergence
1.0× Medicare

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

Quantile Tail Spread+26% Upper Tail
Q25 0.51× · Q50 0.74× · Q75 0.93×

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
0.7× MedicareGood
Outpatient Surgery & ORBack-Door Captive
0.9× MedicareGood
Diagnostic Imaging (CT/MRI)Front-Door Shoppable
1.1× MedicareGood
Back-Door Captive ER VisitsBack-Door Captive
1.3× MedicareGood
Inpatient Lab & PathologyBack-Door Captive
0.9× MedicareGood
Specialty & Infusion Drugs (J-Codes)Back-Door Captive
0.5× MedicareGood
Self-Pay Cash Honesty & 501(r)Integrity & Outcomes
46% Cash Edge · 91/100Good
CMS Clinical Safety & Star ValueIntegrity & Outcomes
3 CMS · 54/100Elevated

Procedure Prices at Long Term Acute Care Hospital Mosaic Life Care at St Joseph

High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 142 published procedures.

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Audit a Bill & 501(r) Cap ↓
Procedure & Billing Code This Hospital vs. Fair
Spinal fusion, single level (inpatient stay)
MS-DRG Code: 451
 $28,564 0.9×
Heart stent placement (inpatient stay)
MS-DRG Code: 322
 $16,750 0.9×
Hip or knee replacement (inpatient stay)
MS-DRG Code: 470
 $12,038 0.6×
Sepsis treatment (inpatient stay)
MS-DRG Code: 871
 $8,876 0.5×
Digestive disorders treatment (inpatient stay)
MS-DRG Code: 392
 $3,925 0.5×
C-section delivery (full package)
CPT Code: 59510
 $2,481 0.8×
Total knee replacement
CPT Code: 27447
 $2,396 0.2×
Vaginal delivery (full package)
CPT Code: 59400
 $2,230 0.8×
Total hip replacement
CPT Code: 27130
 $2,238 0.2×
Gallbladder removal (laparoscopic)
CPT Code: 47562
 $1,692 0.3×
Trauma team activation
HCPCS Code: G0390
 $1,333 0.9×
Blood transfusion
CPT Code: 36430
 $935 1.9×
Injection procedure for pain management
HCPCS Code: G0260
 $698 0.8×
Cataract surgery with lens implant
CPT Code: 66984
 $694 0.3×
Breast lump removal
CPT Code: 19120
 $672 0.2×
Bunion correction surgery
CPT Code: 28296
 $618 0.2×
Knee arthroscopy with meniscus repair
CPT Code: 29881
 $565 0.2×
Residential mental health treatment
HCPCS Code: H2036
 $518 1.3×
Sleep study (overnight, in lab)
CPT Code: 95810
 $520 0.5×
Inguinal hernia repair
CPT Code: 49505
 $529 0.1×
Rabies immune globulin
HCPCS Code: 90375
 $340 1.1×
MRI, brain (with and without contrast)
CPT Code: 70553
 $335 0.7×
Upper endoscopy with biopsy
CPT Code: 43239
 $285 0.3×
Colonoscopy with biopsy
CPT Code: 45380
 $286 0.2×
Hepatitis B immune globulin
HCPCS Code: 90371
 $248 1.6×
Showing top 25 high-impact procedures of 142 total
Inline Bill X-Ray & 501(r) Calculator 501(c)(3) Nonprofit · Free Care ≤200% FPL · AGB Cap 33.5%

Audit a Bill or Quote at Long Term Acute Care Hospital Mosaic Life Care at St Joseph (Zero PHI Required)

CMS CCN: 262019
CPT 451
Fair BaseRate™ $30,775
Medicare Rate $23,504
Self-Pay Cash Request Quote
Insurer Median $28,564
Pre-filled with Long Term Acute Care Hospital Mosaic Life Care at St Joseph’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: $22,931 (274% FPL)

Statutory 501(r) AGB Cap Limits Bill to $22,931

At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (33.5% of gross = $22,931).

Step 2 · Cash vs. Insurance Arbitrage Request Prompt-Pay Quote

Compare Prompt-Pay Cash Rate Against Remaining Deductible

Ask Long Term Acute Care Hospital Mosaic Life Care at St Joseph's billing desk for their written 45 CFR § 180 discounted self-pay cash price and Good Faith Estimate under the No Surprises Act.

Step 3 · Fair BaseRate Target +$37,779 Above Fair BaseRate

Negotiate Toward $30,775 Fair BaseRate ($23,504 Medicare)

Your bill ($68,554) is $37,779 above the denoised Fair BaseRate ($30,775) and 2.9× the $23,504 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)

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 (33.5% 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 ↑
Care-Setting Arbitrage, Bilateral SVD Insurer Leverage & Regional Alternatives

How to Pay Less Nearby: Freestanding Centers, Insurer Leverage & Outpatient Savings

Higher-Quality, Above-Median Price Tier

2D regional comparison of commercial negotiated price index against CMS clinical quality composite for Long Term Acute Care Hospital Mosaic Life Care at St Joseph.

Price Index: 1.20× regional baseline
Quality: 54/100 CMS composite

Notable Payer Contract Outliers (SVD Matrix Anomalies)

SelectHealth
+66.9%
Median Household Income$61,713U.S. Census ACS
Local Uninsured Share8.5%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 78/100 · Corroborated CMS CCN 262019

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

MRF Portal Indexed (CMS_45_CFR_180_FILING.json) Verify on CMS Medicare.gov (CCN 262019) ↗ CMS HCRIS Cost Reports ↗
Published MRF FileCMS_45_CFR_180_FILING.json
Publication / Vintage2026-06-23
Validated Rate Rows7,042 (CMS v3.0.0)
File Integrity DigestVerified · CCN 262019

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.

Submit MRF Update Correction Policy