Baptist Memorial Hospital Tipton
1995 Highway 51 S, Covington, TN 38019 · 96 Priced Procedures · 72% Patient Recommendation
Typical commercial prices here are +41% above the fair benchmark (1.41×) even after accounting for local nurse/doctor wages and patient complexity.
4-Star CMS clinical quality rating paired with 1.41× fair market pricing.
Cash-Arbitrage Bifurcated Pricer
Baptist Memorial Hospital Tipton maintains elevated commercial insurance contracts (1.41× Fair BaseRate) while offering direct self-pay cash discounts that beat commercial negotiated medians on 54% of procedures. High-deductible and uninsured patients should always request the self-pay cash rate prior to billing.
Where They're Good (Patient & Payer Edge)
- Bottom-quartile procedures (Q25) price at 1.10× the peer BaseRate benchmark
- Self-pay cash beats commercial insurance on 54% of shoppable procedures (99/100 Cash Honesty)
- CMS clinical safety score (72/100 safety score) with 72% patient recommendation
- IRS 501(c)(3) charity care provides free care up to 200% FPL and discounted care up to 400% FPL (22.8% AGB cap)
Where You Can Get Burned (Markup Traps)
- Outpatient surgery & OR suites carry a 1.8× markup over Medicare rates
- Captive ER (2.0×) & laboratory (4.0×) services average 1.29× higher multiples than routine shoppable care (1.4×)
- Specialty infusion drugs (J-codes) average 1.6× Medicare — verify per-unit billing on itemized statements
- Unnegotiated chargemaster list prices average 15.1× 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 Baptist Memorial Hospital Tipton
High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 96 published procedures.
Audit a Bill or Quote at Baptist Memorial Hospital Tipton (Zero PHI Required)
Statutory 501(r) AGB Cap Limits Bill to $18,559
At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (22.8% of gross = $18,559).
Compare Prompt-Pay Cash Rate Against Remaining Deductible
Ask Baptist Memorial Hospital Tipton'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 ($81,470) is $50,695 above the denoised Fair BaseRate ($30,775) and 3.5× the $23,504 Medicare rate.
Financial Assistance Policy (FAP) & Amounts Generally Billed (AGB)
Hospital-Specific CMS HCRIS Benchmark (22.8% 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)CMS Price Transparency Administrative Enforcement Log
Factual public administrative actions published by the Centers for Medicare & Medicaid Services regarding 45 CFR § 180 compliance at Baptist Memorial Hospital Tipton. Prior administrative notices do not necessarily reflect current compliance status.
- 2026-01-07·administrative_or_closure
Met Requirements
Recorded
Source: CMS Hospital Care Compare (153 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 Baptist Memorial Hospital Tipton.
Notable Payer Contract Outliers (SVD Matrix Anomalies)
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.