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Hospital Profile Acute Care Hospital Proprietary 119 Beds · rural Updated: 7/10/2026

Rutherford Regional Medical Center

288 South Ridgecrest Ave, Rutherfordton, NC 28139 · 68 Priced Procedures · 53% Patient Recommendation

CMS Overall Rating 2 / 5 Stars
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
1.37×vs. Fair Market Price
Position vs. 1.00× Fair Price+37% 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 +37% above the fair benchmark (1.37×) 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).66/100 · Caution
66/100Self-Pay Cash Beats Insurance 0% of the Time
File Completeness60Provenance (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 Logic100Coherence (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 Alignment54Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing56Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount50Cash 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.High-Markup · Check Safety
CMS Star Rating3/5 StarsOfficial CMS Overall Hospital Quality Star Rating (1 to 5 stars) summarizing mortality, safety of care, readmissions, and patient experience.
Safety Score65/100Composite patient safety score (0–100) derived from CMS hospital-acquired infection rates (CLABSI, CAUTI, MRSA, C. diff), surgical complications, and HCAHPS surveys.
Typical ER Wait141 minMedian minutes patients spent in the emergency department before leaving from the visit, as reported to CMS Timely and Effective Care.

3-Star CMS clinical quality rating paired with 1.37× fair market pricing.

Behavioral Pricing FingerprintUpper-Quartile Spread · +139% Tail Jump

Wide Procedure Spread · Upper-Quartile Skew Pricer

Rutherford Regional Medical Center prices routine shoppable procedures at 4.9× Medicare (median 0.94× Fair BaseRate) while upper-quartile commercial rates jump +139% to 2.25× Fair BaseRate. Self-pay cash discounts and comparing specific CPT procedure codes before scheduling yield the strongest savings.

#51 of 69 in NC · 72nd State Percentile#2,403 of 3,385 in U.S. · 70th National Percentile
Advantage

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 0% of shoppable procedures (50/100 Cash Honesty)
  • 2-Star CMS clinical rating with 53% patient recommendation (65/100 safety score)
  • Binding Good Faith Estimate rights under 45 CFR § 149.610 protect self-pay patients before scheduling
Watchout

Where You Can Get Burned (Markup Traps)

  • Outpatient surgery & OR suites carry a 6.1× markup over Medicare rates
  • Commercial insurance median sits at 0.94× Fair BaseRate (4.9× Medicare), so insured patients should always compare the self-pay cash price before paying.
  • Upper-quartile procedures (Q75 2.25×) jump +139% above the median procedure ratio (Q50 0.94×)
  • Consolidated metro market (HHI 10,000) limits in-network hospital competition (Highly Concentrated Monopoly (>2,500))
Front-Door ShoppableElective / Imaging
4.9× Medicare

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

Back-Door Captive & ER0.18× Divergence
0.9× Medicare

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

Quantile Tail Spread+139% Upper Tail
Q25 0.81× · Q50 0.94× · Q75 2.25×

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
4.9× MedicareWatchout
Outpatient Surgery & ORBack-Door Captive
6.1× MedicareWatchout
Diagnostic Imaging (CT/MRI)Front-Door Shoppable
5.3× MedicareWatchout
Back-Door Captive ER VisitsBack-Door Captive
7.1× MedicareWatchout
Inpatient Lab & PathologyBack-Door Captive
6.5× MedicareWatchout
Specialty & Infusion Drugs (J-Codes)Back-Door Captive
5.6× MedicareWatchout
Self-Pay Cash Honesty & 501(r)Integrity & Outcomes
0% Cash Edge · 50/100Elevated
CMS Clinical Safety & Star ValueIntegrity & Outcomes
2 CMS · 65/100Fair

Procedure Prices at Rutherford Regional Medical Center

High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 68 published procedures.

Sort:
Procedure & Billing Code This Hospital vs. Fair
Sepsis treatment (inpatient stay)
MS-DRG Code: 871
$14,841 0.8×
Hip or knee replacement (inpatient stay)
MS-DRG Code: 470
$14,262 0.7×
Heart stent placement (inpatient stay)
MS-DRG Code: 322
$13,685 0.8×
Total hip replacement
CPT Code: 27130
$13,082 1.0×
Total knee replacement
CPT Code: 27447
$13,082 1.0×
Gallbladder removal (laparoscopic)
CPT Code: 47562
$12,296 unverified
Knee arthroscopy with meniscus repair
CPT Code: 29881
$7,587 2.3×
Inguinal hernia repair
CPT Code: 49505
$7,587 2.1×
Digestive disorders treatment (inpatient stay)
MS-DRG Code: 392
$5,902 0.7×
Breast lump removal
CPT Code: 19120
$5,299 1.4×
Colonoscopy (diagnostic)
CPT Code: 45378
$2,748 2.8×
Upper endoscopy with biopsy
CPT Code: 43239
$2,748 2.8×
Colonoscopy with biopsy
CPT Code: 45380
$2,748 2.2×
MRI, lower back (no contrast)
CPT Code: 72148
$2,050 6.1×
MRI, brain (with and without contrast)
CPT Code: 70553
$2,050 4.0×
MRI, brain (no contrast)
CPT Code: 70551
$2,050 unverified
MRI, knee or other leg joint
CPT Code: 73721
$2,050 unverified
CT scan, head (no contrast)
CPT Code: 70450
$1,314 8.2×
CT scan, pelvis
CPT Code: 72192
$1,314 8.1×
CT scan, chest (no contrast)
CPT Code: 71250
$1,314 7.9×
CT scan, lower back (lumbar spine)
CPT Code: 72131
$1,314 7.8×
CT scan, neck (cervical spine)
CPT Code: 72125
$1,314 7.8×
CT scan, head (with contrast)
CPT Code: 70460
$1,314 5.4×
CT scan, head (with and without contrast)
CPT Code: 70470
$1,314 5.1×
CT scan, abdomen and pelvis (no contrast)
CPT Code: 74176
$1,314 4.3×
Showing top 25 high-impact procedures of 68 total
Inline Bill X-Ray & 501(r) Calculator For-Profit Facility · Cash & Fair BaseRate Audit

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

CMS CCN: 340013
CPT 871
Fair BaseRate™ $19,087
Medicare Rate $14,117
Self-Pay Cash Request Quote
Insurer Median $14,841
Pre-filled with Rutherford Regional 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 274% of 2026 FPL

Above Standard 400% FPL Financial-Assistance Ceiling

At 274% FPL, you exceed the standard 400% FPL tier, though medical-hardship caps (when bills exceed 10% of annual income) may still apply.

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

Compare Prompt-Pay Cash Rate Against Remaining Deductible

Ask Rutherford Regional Medical Center'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 +$16,531 Above Fair BaseRate

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

Your bill ($35,618) is $16,531 above the denoised Fair BaseRate ($19,087) and 2.5× 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) For-Profit / Non-501(c)(3)

Financial Assistance Policy (FAP) & Amounts Generally Billed (AGB)

EIN: 300811171

Public IRS & CMS ownership records classify Rutherford Regional Medical Center as a non-501(c)(3) facility. Federal 26 U.S.C. § 501(r) statutory charity-care caps apply specifically to tax-exempt nonprofit hospitals, though state hospital fair-pricing statutes and prompt-pay self-pay discounts may still apply.

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

CMS Overall3/5 Stars (3/5)
Safety Composite65/100
Would Recommend53%
Rated 9 or 10 (HCAHPS)59%
Median ER Wait141 min
Left ER Before Seen0%
30-Day Mortality vs U.S.same
Unplanned Readmissionsame
Hip/Knee Complication Rate2.2%

Healthcare-Associated Infections (CDC NHSN / CMS HAI)

1.00 SIR = National Predicted Baseline (Lower Is Safer)
C. diff Hospital-Onset Infectionsame

Source: CMS Hospital Care Compare (376 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 Value & Quality Leader Pareto Frontier (Price + Quality)

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

Price Index: 1.00× regional baseline
Quality: 56/100 CMS composite
Median Household Income$49,771U.S. Census ACS
Local Uninsured Share11.8%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 66/100 · Caution CMS CCN 340013 EIN 300811171

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

MRF Portal Indexed (300811171_rutherford-regional-medical-center_standardcharges.csv.zip!300811171_rutherford-regional-medical-center_standardcharges.csv) Verify on CMS Medicare.gov (CCN 340013) ↗ Verify IRS Form 990 (EIN 300811171) ↗ CMS HCRIS Cost Reports ↗
Published MRF File300811171_rutherford-regional-medical-center_standardcharges.csv.zip!300811171_rutherford-regional-medical-center_standardcharges.csv
Publication / Vintage7/10/2026 · 2.07 MB
Validated Rate Rows329 (CMS v3.0.0)
File Integrity DigestVerified · CCN 340013

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.