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State Price Transparency Index 94 Mapped Hospitals 135 Shoppable Procedures −6% vs. U.S. Median (near the U.S. average)

Tennessee Hospital Rates

Compare cash discount rates, commercial insurance prices, and fair price benchmarks across all 94 Tennessee hospitals.

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
0.94×vs. U.S. Fair Price Average
Position vs. 1.00× Fair Price6% 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.

Across 94 Tennessee hospitals, typical commercial prices average 6% below the U.S. fair price (0.94×) after accounting for local wages.

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 · Tennessee Market & Best ValueSummarizes statewide hospital price coverage across Tennessee, the average commercial markup over federal Medicare rates, and the #1 best-value hospital in the state.94 Hospitals · 135 Procedures
Hospitals Priced94 in TNTotal hospitals in Tennessee with verified machine-readable price disclosures indexed in the Crystal.
Avg vs. Medicare1.3× MedicareAverage commercial insurance negotiated rate across Tennessee hospitals compared to what federal Medicare pays for the same procedure.
Best Value in TN0.48× FairLowest confounder-adjusted hospital in Tennessee: Pathways of Tennessee, Inc (Jackson) at 0.48× fair market price.

Most affordable Tennessee hospital: Pathways of Tennessee, Inc (Jackson) at 0.48× the fair price (52% below benchmark).

Statewide Hospital Pricing Fingerprint94 Tennessee Hospitals Analyzed

Tennessee Statewide Hospital Pricing Summary

Across 94 reporting hospitals and 135 shoppable procedures in Tennessee, typical commercial insurance rates sit at 0.94× the U.S. fair price average (1.3× federal Medicare rates). However, prices vary by 6.5× across the state — from 0.48× fair price at the most affordable hospitals up to 3.12× at high-markup facilities.

State Price Index: 0.94× U.S. Fair AverageAvg Commercial Rate: 1.3× Medicare
Advantage

Best Value in Tennessee (Lowest-Priced Hospitals & Patient Edge)

  • Best-value hospital in Tennessee: Pathways of Tennessee, Inc (Jackson) prices care at 0.48× the fair price benchmark.
  • Additional low-cost leaders include Ridgeview Psychiatric Hospital and Center (Oak Ridge, 0.55× fair) and Cookeville Regional Medical Center (0.66× fair).
  • Bottom-quartile Tennessee hospitals (Q25) charge 0.92× the fair price or less — comparing quotes before scheduling elective care saves 25%–45%.
  • Nonprofit 501(c)(3) hospitals across Tennessee must provide free or discounted charity care under federal 26 U.S.C. § 501(r) income rules.
Watchout

Where Tennessee Patients Get Burned (High-Markup Traps)

  • Highest-markup Tennessee facilities reach 4.0× Medicare (Ascension Saint Thomas Three Rivers in Waverly, Baptist Memorial Rehabilitation Hospital).
  • Prices for the exact same procedure swing 6.5× between the lowest-priced (0.48×) and highest-priced (3.12×) hospitals in Tennessee.
  • Emergency room, lab, and outpatient surgery facility fees carry significantly higher markups than pre-scheduled imaging or freestanding centers.
Most Affordable TN Hospitals (Bottom 25%)Best Value Tier
0.48× – 0.92× Fair

Led by Pathways of Tennessee, Inc (Jackson) at 0.48× fair price.

Typical Tennessee Hospital (State Median)1.3× Medicare
0.99× Fair Price

Middle-of-the-pack commercial rate across all 94 Tennessee hospitals.

Highest-Markup TN Hospitals (Top 25%)6.5× State Spread
1.14× – 3.12× Fair

Highest-priced quarter of Tennessee hospitals where shopping around saves the most.

Tennessee County Price & Affordability Heatmap 60 of 95 Counties with MRF Hospital Data

Tennessee County-Level Hospital Price & Affordability Heatmap

Hospital price index, Medicare markup, and household affordability burden across 95 counties in Tennessee

<0.94× Affordable 0.94–1.06× Near Avg 1.06–1.20× Elevated >1.20× High-Markup
Davidson County7hosps
1.04× Fair
Income $76k
Knox County4hosps
0.95× Fair
Income $72k
Sullivan County4hosps
1.13× Fair
Income $57k
Hamilton County3hosps
1.00× Fair
Income $73k
Shelby County3hosps
1.04× Fair
Income $62k
Madison County2hosps
0.72× Fair
Income $58k
Anderson County2hosps
0.76× Fair
Income $63k
Washington County2hosps
0.92× Fair
Income $61k
Rutherford County2hosps
0.96× Fair
Income $83k
Maury County2hosps
0.98× Fair
Income $74k
Sumner County2hosps
1.23× Fair
Income $86k
Putnam County1hosp
0.66× Fair
Income $57k
Williamson County1hosp
0.82× Fair
Income $131k
Haywood County1hosp
0.84× Fair
Income $44k
Cannon County1hosp
0.85× Fair
Income $58k
Jefferson County1hosp
0.90× Fair
Income $63k
White County1hosp
0.90× Fair
Income $52k
DeKalb County1hosp
0.90× Fair
Income $48k
Greene County1hosp
0.92× Fair
Income $54k
Carter County1hosp
0.92× Fair
Income $48k
Cocke County1hosp
0.92× Fair
Income $48k
Henry County1hosp
0.92× Fair
Income $49k
Bradley County1hosp
0.93× Fair
Income $64k
Lincoln County1hosp
0.93× Fair
Income $63k
Showing top 24 counties with hospital price filings of 95 total in Tennessee

All Hospitals in Tennessee (94)

Ranked by how their commercial prices compare to the fair BaseRate — best value first. Select any hospital to inspect its full procedure price list.

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Compare Prices by Procedure in Tennessee (135)

High-impact surgeries, scans, and hospital stays are listed first with the typical Tennessee price. Search any procedure below.

Browse Tennessee by Metro Area

Local hospital comparison pages for each Tennessee regional market.

Which Insurers Negotiate Prices in Tennessee

Across the 102 Tennessee hospitals that publish negotiated rates, here is how many hospitals each major insurance carrier has an in-network contract with.

Cigna 90 of 102 hospitals
Blue Cross Blue Shield 87 of 102 hospitals
UnitedHealthcare 87 of 102 hospitals
Aetna 83 of 102 hospitals
Humana 73 of 102 hospitals

Also negotiating in Tennessee: Ambetter (Centene) (56) · Amerigroup (50) · Devoted Health (48) · WellCare (43) · Cigna HealthSpring (36) · Oscar Health (33).

Prices are sourced from each hospital's federally-required public price file, most recently published October 2026. The BaseRate is a modeled fair-price estimate — not a bill or quote. How we build these numbers →