County Price & Affordability Audit
6 of 12 Hospitals Priced
Pop. 922,195
$62,337 Median Income
Shelby County, TN Hospital Rates
Compare hospital price transparency compliance, fair price benchmarks, and local household charity-care eligibility across all 12 mapped hospitals in Shelby County.
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
1.04×vs. Fair Market Price
Position vs. 1.00× Fair Price+4% 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 +4% above the fair benchmark (1.04×) 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).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 · Shelby County Affordability & CoverageSummarizes local hospital price disclosure compliance in Shelby County, U.S. Census median household income, local uninsured rate, and federal 200%–400% FPL charity-care income thresholds.6 of 12 Hospitals Priced
Hospitals Priced6 of 12Number of CMS-certified hospitals located inside Shelby County that have published machine-readable price files out of all 12 local facilities.
Median Income$62.3k / yrU.S. Census ACS median annual household income in Shelby County ($62,337/yr), used to measure medical bill burden and charity-care eligibility.
Uninsured Rate12.1%Percentage of Shelby County residents without health insurance who rely on self-pay cash discounts and 501(r) nonprofit hospital financial assistance.
Local charity-care income cutoffs (200%–400% FPL): up to $31,920 (single) and $128,600 (family of 4) qualify for free or discounted hospital care.
County Hospital Pricing & Affordability Audit6 of 12 Local Hospitals Priced
Shelby County, TN Hospital Price & Affordability Summary
Shelby County, Tennessee (pop. 922,195) has 12 CMS-certified hospitals (6 publishing verified machine-readable price files) with a local price index of 1.04× the U.S. fair price benchmark and a $62,337 median household income.
County Price Index: 1.04× Fair MarketMedian Income: $62,337/yr
Advantage
Best Value & Patient Protections in Shelby County
- 6 of 12 hospitals in Shelby County publish verified 45 CFR § 180 price files (Methodist Hospitals of Memphis, St Jude Childrens Research Hospital, Baptist Memorial Hospital).
- Local Shelby County households earning up to $31,920 (single) or $64,300 (family of 4) qualify for 200% FPL free charity care at nonprofit hospitals.
- Under federal 26 U.S.C. § 501(r), nonprofit hospitals must provide discounted Financial Assistance Policy (FAP) rates for Shelby County families earning up to $128,600/yr (400% FPL).
Watchout
Where Shelby County Patients Get Burned (Billing Watchouts)
- 6 facilities in Shelby County (Regional One Health, Lakeside Behavioral Health System) lack an indexed MRF price schedule — always demand a written Good Faith Estimate before scheduling.
- With a 12.1% local uninsured rate and $62,337 median household income, an unnegotiated $5,000 hospital bill equals 4.2 weeks of typical Shelby County family take-home pay.
- Emergency department and inpatient ancillary charges vary significantly across Tennessee counties — inspect each hospital's profile below before paying a full chargemaster bill.
County MRF Price Coverage50% Published
6 of 12 Hospitals
Includes Methodist Hospitals of Memphis & St Jude Childrens Research Hospital.
Free Care Income Cutoff (200% FPL)Nonprofit 501(r) Rule
$31,920 – $64,300
Single ($31,920) to Family of 4 ($64,300) threshold for 100% free charity care.
Discounted Care Cutoff (400% FPL)AGB Billing Cap
Up to $128,600/yr
4-person household income cap qualifying for statutory AGB billing limits in Shelby County.
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
Shelby County6hosps
1.04× Fair
Income $62k
Knox County4hosps
0.95× Fair
Income $72k
Sullivan County4hosps
1.13× Fair
Income $57k
Hamilton County3hosps
1.00× Fair
Income $73k
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 Shelby County (12)
Select any published hospital below to inspect its procedure price list, insurer discounts, and official MRF verification links.
- Regional One Health · Memphis CMS CCN 440152 · 24/7 Emergency Services1/5 CMS Stars No MRF Indexed
- Methodist Hospitals of Memphis · Memphis CMS CCN 440049 · 24/7 Emergency Services
- Lakeside Behavioral Health System · Memphis CMS CCN 444004 · Specialty / Outpatient CareNot Rated No MRF Indexed
- St Jude Childrens Research Hospital · Memphis CMS CCN 443302 · Specialty / Outpatient Care
- Memphis Mental Health Institute · Memphis CMS CCN 444001 · 24/7 Emergency ServicesNot Rated No MRF Indexed
- Crestwyn Behavioral Health · Memphis CMS CCN 444025 · 24/7 Emergency ServicesNot Rated No MRF Indexed
- Compass Intervention Center · Memphis CMS CCN 444033 · Specialty / Outpatient CareNot Rated No MRF Indexed
- Delta Specialty Hospital · Memphis CMS CCN 440159 · 24/7 Emergency ServicesNot Rated No MRF Indexed
- Baptist Memorial Hospital · Memphis CMS CCN 440048 · 24/7 Emergency Services
- Saint Francis Bartlett Medical Center · Bartlett CMS CCN 440228 · 24/7 Emergency Services1/5 CMS Stars MRF Published
- St Francis Hospital · Memphis CMS CCN 440183 · 24/7 Emergency Services1/5 CMS Stars MRF Published
- Unity Psychiatric Care-Memphis · Memphis CMS CCN 444024 · Specialty / Outpatient CareNot Rated MRF Published
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