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Hospital Profile Acute Care Hospital Proprietary 27 Beds · rural Updated: 3/31/2026

Lovelace Regional Hospital - Roswell

117 East 19Th Street, Roswell, NM 88201 · 88 Priced Procedures · 67% 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.Near Fair BaseRate Benchmark
1.00×vs. Fair Market Price
Position vs. 1.00× Fair PriceRight at U.S. Average (0%) 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 match the fair market benchmark (1.00×) 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 91% of the Time
File Completeness56Provenance (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 Logic93Coherence (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 Alignment60Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing81Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount100Cash 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.Premium Quality Tier
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 Score66/100Composite patient safety score (0–100) derived from CMS hospital-acquired infection rates (CLABSI, CAUTI, MRSA, C. diff), surgical complications, and HCAHPS surveys.
Typical ER Wait126 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 1.00× fair market pricing.

Behavioral Pricing FingerprintHigh Infusion / OR Multiples

Specialty Drug & Surgical Margin Engine

Lovelace Regional Hospital - Roswell concentrates commercial margin in outpatient surgical suites (6.8× Medicare) and specialty drug infusions (2.6× Medicare) relative to routine diagnostics (16.7×). Comparing freestanding ambulatory surgery centers or specialty pharmacy options before treatment yields substantial savings.

Regional Benchmark in NMU.S. National Reference Pool
Advantage

Where They're Good (Patient & Payer Edge)

  • Bottom-quartile procedures (Q25) price at 0.78× the peer BaseRate benchmark
  • Self-pay cash beats commercial insurance on 91% of shoppable procedures (99/100 Cash Honesty)
  • 2-Star CMS clinical rating with 67% patient recommendation (66/100 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 6.8× markup over Medicare rates
  • Commercial insurance median sits at 1.00× Fair BaseRate (12.9× Medicare), so insured patients should always compare the self-pay cash price before paying.
  • Upper-quartile procedures (Q75 1.28×) jump +28% above the median procedure ratio (Q50 1.00×)
  • Consolidated metro market (HHI 6,876) limits in-network hospital competition (Highly Concentrated Monopoly (>2,500))
Front-Door ShoppableElective / Imaging
12.9× Medicare

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

Back-Door Captive & ER1.01× Divergence
13.0× Medicare

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

Quantile Tail Spread+28% Upper Tail
Q25 0.78× · Q50 1.00× · Q75 1.28×

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
12.9× MedicareWatchout
Outpatient Surgery & ORBack-Door Captive
6.8× MedicareWatchout
Diagnostic Imaging (CT/MRI)Front-Door Shoppable
16.7× MedicareWatchout
Back-Door Captive ER VisitsBack-Door Captive
18.7× MedicareWatchout
Inpatient Lab & PathologyBack-Door Captive
21.9× MedicareWatchout
Specialty & Infusion Drugs (J-Codes)Back-Door Captive
2.6× MedicareFair
Self-Pay Cash Honesty & 501(r)Integrity & Outcomes
91% Cash Edge · 99/100Good
CMS Clinical Safety & Star ValueIntegrity & Outcomes
2 CMS · 66/100Fair

Procedure Prices at Lovelace Regional Hospital - Roswell

High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 88 published procedures.

Sort:
Audit a Bill & 501(r) Cap ↓
Procedure & Billing Code This Hospital vs. Fair
Breast lump removal
CPT Code: 19120
 $5,572 1.4×
Colonoscopy with biopsy
CPT Code: 45380
 $2,998 2.4×
CT scan, abdomen and pelvis (no contrast)
CPT Code: 74176
 $2,796 9.2×
CT scan, neck (cervical spine)
CPT Code: 72125
 $2,758 16.3×
CT scan, abdomen and pelvis (with contrast)
CPT Code: 74177
 $2,675 6.0×
MRI, knee or other leg joint
CPT Code: 73721
 $2,551 6.9×
MRI, brain (with and without contrast)
CPT Code: 70553
 $2,372 4.6×
Colonoscopy (diagnostic)
CPT Code: 45378
 $2,334 2.4×
CT scan, pelvis
CPT Code: 72192
 $2,219 13.6×
MRI, lower back (no contrast)
CPT Code: 72148
 $2,176 6.4×
Upper endoscopy with biopsy
CPT Code: 43239
 $1,959 2.0×
CT scan, head (with and without contrast)
CPT Code: 70470
 $1,817 7.0×
MRI, brain (no contrast)
CPT Code: 70551
 $1,739 5.1×
CT scan, head (with contrast)
CPT Code: 70460
 $1,667 6.9×
CT scan, head (no contrast)
CPT Code: 70450
 $1,587 9.9×
CT scan, lower back (lumbar spine)
CPT Code: 72131
 $1,560 9.3×
CT scan, chest (no contrast)
CPT Code: 71250
 $1,512 9.1×
Echocardiogram (heart ultrasound)
CPT Code: 93306
 $1,522 2.6×
CT scan, sinuses
CPT Code: 70486
 $923 5.6×
Ultrasound, abdomen (complete)
CPT Code: 76700
 $748 5.6×
Blood transfusion
CPT Code: 36430
 $708 1.4×
Ultrasound, pelvis
CPT Code: 76856
 $610 4.7×
Ultrasound, abdomen (limited)
CPT Code: 76705
 $524 4.2×
Ultrasound, thyroid and neck
CPT Code: 76536
 $519 3.9×
Ultrasound, leg veins (duplex)
CPT Code: 93970
 $447 1.6×
Showing top 25 high-impact procedures of 88 total
Inline Bill X-Ray & 501(r) Calculator For-Profit Facility · Cash & Fair BaseRate Audit

Audit a Bill or Quote at Lovelace Regional Hospital - Roswell (Zero PHI Required)

CMS CCN: 320086
CPT 19120
Fair BaseRate™ $3,875
Medicare Rate $4,000
Self-Pay Cash $5,572
Insurer Median $5,572
Pre-filled with Lovelace Regional Hospital - Roswell’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 Save $13,001 Paying Cash

Self-Pay Cash Rate ($5,572) Beats Your Bill

Lovelace Regional Hospital - Roswell's published 45 CFR § 180 self-pay cash rate is $5,572 (vs. $5,572 commercial insurer median). Ask billing to reclassify the visit to prompt-pay self-pay if it beats your deductible.

Step 3 · Fair BaseRate Target +$14,698 Above Fair BaseRate

Negotiate Toward $3,875 Fair BaseRate ($4,000 Medicare)

Your bill ($18,573) is $14,698 above the denoised Fair BaseRate ($3,875) and 4.6× the $4,000 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)

Public IRS & CMS ownership records classify Lovelace Regional Hospital - Roswell 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 Composite66/100
Would Recommend67%
Rated 9 or 10 (HCAHPS)67%
Median ER Wait126 min
Left ER Before Seen1%
30-Day Mortality vs U.S.same
Unplanned Readmissionsame

Healthcare-Associated Infections (CDC NHSN / CMS HAI)

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

CMS Price Transparency Administrative Enforcement Log

Factual public administrative actions published by the Centers for Medicare & Medicaid Services regarding 45 CFR § 180 compliance at Lovelace Regional Hospital - Roswell. Prior administrative notices do not necessarily reflect current compliance status.

  • 2025-05-30·administrative_or_closure

    Closure Notice

    Recorded
  • 2025-04-29·warning_notice

    Warning Notice

    Recorded

Source: CMS Hospital Care Compare (161 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

Higher-Quality, Above-Median Price Tier Pareto Frontier (Price + Quality)

2D regional comparison of commercial negotiated price index against CMS clinical quality composite for Lovelace Regional Hospital - Roswell.

Price Index: 1.23× regional baseline
Quality: 57/100 CMS composite
Median Household Income$52,029U.S. Census ACS
Local Uninsured Share9.4%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 320086

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 320086) ↗ CMS HCRIS Cost Reports ↗
Published MRF FileCMS_45_CFR_180_FILING.json
Publication / Vintage3/31/2026
Validated Rate Rows2,126 (CMS v3.0.0)
File Integrity DigestVerified · CCN 320086

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