Ladd Memorial Hospital
2600 65Th Avenue, Osceola, WI 54020 · 67 Priced Procedures · 77% Patient Recommendation
Typical commercial prices here match the fair market benchmark (1.00×) after accounting for local nurse/doctor wages and patient complexity.
4-Star CMS clinical quality rating paired with 1.00× fair market pricing.
Loss-Leader / Captive Ancillary Cross-Subsidizer
Ladd Memorial Hospital prices routine shoppable procedures near 6.6× Medicare (p50 1.00×) while skewing captive emergency, lab, and upper-quartile codes to 16.1× Medicare (p75 1.28×, +28% upper-tail jump). Patients scheduling elective outpatient care can capture competitive rates, but emergency and ancillary bills require strict line-item auditing.
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 52% of shoppable procedures (99/100 Cash Honesty)
- 4-Star CMS clinical rating with 77% patient recommendation (73/100 safety score)
- IRS 501(c)(3) charity care provides free care up to 200% FPL and discounted care up to 400% FPL (67.6% AGB cap)
Where You Can Get Burned (Markup Traps)
- Outpatient surgery & OR suites carry a 1.7× markup over Medicare rates
- Captive ER (9.6×) & laboratory (14.7×) services average 2.44× higher multiples than routine shoppable care (6.6×)
- Upper-quartile procedures (Q75 1.28×) jump +28% above the median procedure ratio (Q50 1.00×)
- Unnegotiated chargemaster list prices average 8.8× Medicare (27¢ 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 Ladd Memorial Hospital
High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 67 published procedures.
Audit a Bill or Quote at Ladd Memorial Hospital (Zero PHI Required)
Statutory 501(r) AGB Cap Limits Bill to $4,708
At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (67.6% of gross = $4,708).
Self-Pay Cash Rate ($4,875) Beats Your Bill
Ladd Memorial Hospital's published 45 CFR § 180 self-pay cash rate is $4,875 (vs. $4,875 commercial insurer median). Ask billing to reclassify the visit to prompt-pay self-pay if it beats your deductible.
Negotiate Toward $2,975 Fair BaseRate ($2,473 Medicare)
Your bill ($6,964) is $3,989 above the denoised Fair BaseRate ($2,975) and 2.8× the $2,473 Medicare rate.
Financial Assistance Policy (FAP) & Amounts Generally Billed (AGB)
Hospital-Specific CMS HCRIS Benchmark (67.6% 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
Source: CMS Hospital Care Compare (120 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 Ladd Memorial Hospital.
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.