SSM St Clare Health Center
1015 Bowles, Fenton, MO 63026 · 128 Priced Procedures · 75% Patient Recommendation
Typical commercial prices here match the fair market benchmark (1.01×) after accounting for local nurse/doctor wages and patient complexity.
3-Star CMS clinical quality rating paired with 1.01× fair market pricing.
Loss-Leader / Captive Ancillary Cross-Subsidizer
SSM St Clare Health Center prices routine shoppable procedures near 1.1× Medicare (p50 1.09×) while skewing captive emergency, lab, and upper-quartile codes to 1.8× Medicare (p75 1.48×, +36% upper-tail jump). Patients scheduling elective outpatient care can capture competitive rates, but emergency and ancillary bills require strict line-item auditing.
Where They're Good (Patient & Payer Edge)
- Bottom-quartile procedures (Q25) price at 0.81× the peer BaseRate benchmark
- Self-pay cash beats commercial insurance on 13% of shoppable procedures (99/100 Cash Honesty)
- 4-Star CMS clinical rating with 75% patient recommendation (66/100 safety score)
- IRS 501(c)(3) charity care provides free care up to 200% FPL and discounted care up to 400% FPL (17.7% AGB cap)
Where You Can Get Burned (Markup Traps)
- Outpatient surgery & OR suites carry a 1.4× markup over Medicare rates
- Captive ER (1.6×) & laboratory (1.5×) services average 1.64× higher multiples than routine shoppable care (1.1×)
- Upper-quartile procedures (Q75 1.48×) jump +36% above the median procedure ratio (Q50 1.09×)
- Unnegotiated chargemaster list prices average 8.8× Medicare (14¢ 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 SSM St Clare Health Center
High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 128 published procedures.
Audit a Bill or Quote at SSM St Clare Health Center (Zero PHI Required)
Statutory 501(r) AGB Cap Limits Bill to $10,342
At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (17.7% of gross = $10,342).
Compare Prompt-Pay Cash Rate Against Remaining Deductible
Ask SSM St Clare Health Center's billing desk for their written 45 CFR § 180 discounted self-pay cash price and Good Faith Estimate under the No Surprises Act.
Negotiate Toward $30,775 Fair BaseRate ($23,504 Medicare)
Your bill ($58,399) is $27,624 above the denoised Fair BaseRate ($30,775) and 2.5× the $23,504 Medicare rate.
Financial Assistance Policy (FAP) & Amounts Generally Billed (AGB)
Hospital-Specific CMS HCRIS Benchmark (17.7% 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
Healthcare-Associated Infections (CDC NHSN / CMS HAI)
1.00 SIR = National Predicted Baseline (Lower Is Safer)Source: CMS Hospital Care Compare (514 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 SSM St Clare Health Center.
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.