MEMORIAL HEALTHCARE SYSTEM, INC
CHATTANOOGA, TN 37404 · Acute Care Hospitals
155 procedures with CMS pricing data · Source: CMS IPPS Provider Summary, FY2024
By BillRazor Research · Last updated March 26, 2026 · Methodology
Procedures Analyzed
155
With CMS pricing data
Avg Charge-to-Medicare Ratio
5.9x
Chargemaster ÷ Medicare
CMS Quality Rating
Patient experience & outcomes
Hospital Type
Acute Care Hospitals
Voluntary non-profit - Church
Above 90th Percentile
0%
Compared to TN hospitals
Understanding Your Costs
When you receive a bill from MEMORIAL HEALTHCARE SYSTEM, INC, you are typically seeing the hospital's “chargemaster” rate — its published list price for each service. According to CMS data, MEMORIAL HEALTHCARE SYSTEM, INC lists chargemaster rates that average 5.9x the corresponding Medicare reimbursement amount across 155 procedures with publicly available pricing data (Source: CMS IPPS Provider Summary, FY2024).
The median hospital in TN has a chargemaster-to-Medicare ratio of 4.9x, with ratios across the state ranging from 1.4x to 13.4x. At 5.9x, this facility’s average ratio is above the state median. 74 hospitals in TN report pricing data to CMS (Source: CMS IPPS Provider Summary).
The procedure with the largest gap between the listed price and Medicare reimbursement at MEMORIAL HEALTHCARE SYSTEM, INC is ACUTE MYOCARDIAL INFARCTION, DISCHARGED ALIVE WITHOUT CC/MCC (DRG 282). The listed chargemaster rate is $37,778, while Medicare reimburses $2,856 for the same procedure — a ratio of 13.2x (Source: CMS IPPS Provider Summary, FY2024).
What does this actually mean for your bill? Chargemaster rates are rarely what patients pay. If you have insurance, your insurer has negotiated a separate rate — often 40–60% less than the listed price. If you are uninsured, you may be able to negotiate directly with the hospital or request financial assistance. The chargemaster-to-Medicare ratio is a useful reference point for understanding listed pricing, but it does not represent what most patients will owe out of pocket.
MEMORIAL HEALTHCARE SYSTEM, INC is a voluntary non-profit - church acute care hospitals facility with a CMS quality rating of 4/5 stars. Note: CMS quality ratings measure patient outcomes and experience, not pricing. A hospital with high listed prices may provide excellent care, and pricing data alone should not be used to evaluate the quality of a healthcare provider.
Listed Chargemaster Rates vs Medicare Reimbursement — Top Procedures by Ratio
Source: CMS IPPS Provider Summary, FY2024. Chargemaster rates are list prices and may not reflect actual patient costs.
Procedure Pricing Lookup
Search for a specific procedure or DRG code to see listed chargemaster rates and Medicare reimbursement amounts.
| Procedure | DRG | Listed Charge | Medicare Reimb. | Ratio | State Position | |
|---|---|---|---|---|---|---|
| ACUTE MYOCARDIAL INFARCTION, DISCHARGED ALIVE WITHOUT CC/MCC | 282 | $37,778 | $2,856 | 13.2x | 1th | Compare your bill |
| INTRACRANIAL HEMORRHAGE OR CEREBRAL INFARCTION WITHOUT CC/MCC | 066 | $31,004 | $2,668 | 11.6x | 0th | Compare your bill |
| CIRCULATORY DISORDERS EXCEPT AMI, WITH CARDIAC CATHETERIZATION WITHOUT MCC | 287 | $50,270 | $4,814 | 10.4x | 0th | Compare your bill |
| CARDIAC ARRHYTHMIA AND CONDUCTION DISORDERS WITHOUT CC/MCC | 310 | $20,644 | $2,031 | 10.2x | 0th | Compare your bill |
| PERCUTANEOUS CARDIOVASCULAR PROCEDURES WITH DRUG-ELUTING STENT WITHOUT MCC | 247 | $92,188 | $9,243 | 10.0x | 0th | Compare your bill |
| TRANSIENT ISCHEMIA WITHOUT THROMBOLYTIC | 069 | $37,785 | $3,956 | 9.6x | 0th | Compare your bill |
| PULMONARY EMBOLISM WITHOUT MCC | 176 | $33,742 | $3,616 | 9.3x | 1th | Compare your bill |
| RED BLOOD CELL DISORDERS WITHOUT MCC | 812 | $36,880 | $4,014 | 9.2x | 1th | Compare your bill |
| CHEST PAIN | 313 | $30,333 | $3,316 | 9.2x | 0th | Compare your bill |
| INTRACRANIAL HEMORRHAGE OR CEREBRAL INFARCTION WITH CC OR TPA IN 24 HOURS | 065 | $39,253 | $4,457 | 8.8x | 0th | Compare your bill |
| HYPERTENSION WITHOUT MCC | 305 | $27,971 | $3,181 | 8.8x | 0th | Compare your bill |
| ACUTE MYOCARDIAL INFARCTION, DISCHARGED ALIVE WITH CC | 281 | $37,750 | $4,471 | 8.4x | 0th | Compare your bill |
| CARDIAC ARRHYTHMIA AND CONDUCTION DISORDERS WITH CC | 309 | $26,932 | $3,215 | 8.4x | 0th | Compare your bill |
| POISONING AND TOXIC EFFECTS OF DRUGS WITH MCC | 917 | $63,319 | $7,581 | 8.3x | 0th | Compare your bill |
| GASTROINTESTINAL OBSTRUCTION WITHOUT CC/MCC | 390 | $17,102 | $2,063 | 8.3x | 0th | Compare your bill |
| SEIZURES WITHOUT MCC | 101 | $31,546 | $3,837 | 8.2x | 0th | Compare your bill |
| FRACTURE, SPRAIN, STRAIN AND DISLOCATION EXCEPT FEMUR, HIP, PELVIS AND THIGH WITH MCC | 562 | $49,562 | $6,088 | 8.1x | 0th | Compare your bill |
| ISCHEMIC STROKE, PRECEREBRAL OCCLUSION OR TRANSIENT ISCHEMIA WITH THROMBOLYTIC AGENT WIT | 062 | $77,614 | $9,554 | 8.1x | 0th | Compare your bill |
| MEDICAL BACK PROBLEMS WITHOUT MCC | 552 | $34,026 | $4,287 | 7.9x | 0th | Compare your bill |
| MAJOR HEMATOLOGICAL AND IMMUNOLOGICAL DIAGNOSES EXCEPT SICKLE CELL CRISIS AND COAGULATIO | 808 | $134,446 | $17,270 | 7.8x | 1th | Compare your bill |
| OTHER DISORDERS OF NERVOUS SYSTEM WITH CC | 092 | $34,770 | $4,517 | 7.7x | 0th | Compare your bill |
| DIGESTIVE MALIGNANCY WITH CC | 375 | $38,740 | $5,147 | 7.5x | 0th | Compare your bill |
| NONSPECIFIC CEREBROVASCULAR DISORDERS WITH CC | 071 | $38,342 | $5,092 | 7.5x | 0th | Compare your bill |
| SIMPLE PNEUMONIA AND PLEURISY WITH CC | 194 | $26,730 | $3,579 | 7.5x | 0th | Compare your bill |
| SYNCOPE AND COLLAPSE | 312 | $29,719 | $3,978 | 7.5x | 0th | Compare your bill |
| MISCELLANEOUS DISORDERS OF NUTRITION, METABOLISM, FLUIDS AND ELECTROLYTES WITHOUT MCC | 641 | $25,950 | $3,493 | 7.4x | 0th | Compare your bill |
| INTERSTITIAL LUNG DISEASE WITH MCC | 196 | $57,761 | $7,884 | 7.3x | 0th | Compare your bill |
| COMPLICATIONS OF TREATMENT WITH MCC | 919 | $57,529 | $7,859 | 7.3x | 0th | Compare your bill |
| CRANIOTOMY AND ENDOVASCULAR INTRACRANIAL PROCEDURES WITH MCC | 025 | $160,709 | $22,027 | 7.3x | 0th | Compare your bill |
| EXTENSIVE O.R. PROCEDURES UNRELATED TO PRINCIPAL DIAGNOSIS WITH CC | 982 | $94,467 | $13,036 | 7.3x | 0th | Compare your bill |
| ESOPHAGITIS, GASTROENTERITIS AND MISCELLANEOUS DIGESTIVE DISORDERS WITHOUT MCC | 392 | $24,024 | $3,316 | 7.2x | 0th | Compare your bill |
| CORONARY BYPASS WITHOUT CARDIAC CATHETERIZATION WITHOUT MCC | 236 | $145,203 | $20,160 | 7.2x | 0th | Compare your bill |
| DISORDERS OF LIVER EXCEPT MALIGNANCY, CIRRHOSIS OR ALCOHOLIC HEPATITIS WITH CC | 442 | $36,295 | $5,079 | 7.2x | 0th | Compare your bill |
| ECMO OR TRACHEOSTOMY WITH MV >96 HOURS OR PRINCIPAL DIAGNOSIS EXCEPT FACE, MOUTH AND NEC | 003 | $829,443 | $115,972 | 7.2x | 0th | Compare your bill |
| CARDIAC VALVE AND OTHER MAJOR CARDIOTHORACIC PROCEDURES WITHOUT CARDIAC CATHETERIZATION | 220 | $210,894 | $29,778 | 7.1x | 0th | Compare your bill |
| COAGULATION DISORDERS | 813 | $64,317 | $9,134 | 7.0x | 1th | Compare your bill |
| GASTROINTESTINAL HEMORRHAGE WITH CC | 378 | $32,927 | $4,728 | 7.0x | 0th | Compare your bill |
| DISORDERS OF PANCREAS EXCEPT MALIGNANCY WITH MCC | 438 | $70,357 | $10,220 | 6.9x | 1th | Compare your bill |
| PERCUTANEOUS CARDIOVASCULAR PROCEDURES WITH DRUG-ELUTING STENT WITH MCC OR 4+ ARTERIES O | 246 | $116,403 | $17,391 | 6.7x | 0th | Compare your bill |
| MAJOR JOINT OR LIMB REATTACHMENT PROCEDURES OF UPPER EXTREMITIES | 483 | $80,375 | $12,032 | 6.7x | 0th | Compare your bill |
| DIABETES WITH CC | 638 | $26,659 | $4,038 | 6.6x | 0th | Compare your bill |
| KIDNEY AND URINARY TRACT INFECTIONS WITHOUT MCC | 690 | $24,487 | $3,741 | 6.5x | 0th | Compare your bill |
| CHRONIC OBSTRUCTIVE PULMONARY DISEASE WITH MCC | 190 | $35,403 | $5,410 | 6.5x | 0th | Compare your bill |
| DEGENERATIVE NERVOUS SYSTEM DISORDERS WITHOUT MCC | 057 | $37,772 | $5,775 | 6.5x | 0th | Compare your bill |
| CORONARY BYPASS WITH CARDIAC CATHETERIZATION OR OPEN ABLATION WITHOUT MCC | 234 | $189,079 | $28,937 | 6.5x | 0th | Compare your bill |
| PULMONARY EDEMA AND RESPIRATORY FAILURE | 189 | $39,885 | $6,162 | 6.5x | 0th | Compare your bill |
| EXTRACRANIAL PROCEDURES WITHOUT CC/MCC | 039 | $35,925 | $5,571 | 6.5x | 0th | Compare your bill |
| OTHER KIDNEY AND URINARY TRACT DIAGNOSES WITH CC | 699 | $29,642 | $4,610 | 6.4x | 0th | Compare your bill |
| CELLULITIS WITHOUT MCC | 603 | $24,201 | $3,829 | 6.3x | 0th | Compare your bill |
| CARDIAC VALVE AND OTHER MAJOR CARDIOTHORACIC PROCEDURES WITHOUT CARDIAC CATHETERIZATION | 219 | $286,813 | $45,458 | 6.3x | 0th | Compare your bill |
Showing 50 of 155 procedures
All data from CMS IPPS Provider Summary, FY2024. Chargemaster rates are list prices and may not reflect actual patient costs.
Statewide Context
Charge-to-Medicare ratio range across TN hospitals
74 hospitals in TN report pricing data to CMS. This facility's average ratio of 5.9x places it at the lower-middle range of the state range (Source: CMS IPPS Provider Summary).
What You Can Do
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How it worksData: CMS Inpatient Prospective Payment System (IPPS) Provider Summary, FY2024. All data is publicly available under federal law (45 CFR Part 180).
Important: Listed chargemaster rates are not what most insured patients pay. Actual costs depend on your insurance plan's negotiated rates, deductibles, and coverage terms. This information is for educational purposes only and does not constitute medical, legal, or financial advice.
Frequently Asked Questions About MEMORIAL HEALTHCARE SYSTEM, INC
How much does MEMORIAL HEALTHCARE SYSTEM, INC charge compared to Medicare?
According to CMS IPPS data, MEMORIAL HEALTHCARE SYSTEM, INC's listed chargemaster rates average 5.9x the Medicare reimbursement amount across 155 procedures. Chargemaster rates are list prices and are not what most insured patients pay — actual costs depend on insurance negotiations and coverage terms.
What is the most expensive procedure at MEMORIAL HEALTHCARE SYSTEM, INC?
The procedure with the highest chargemaster-to-Medicare ratio at MEMORIAL HEALTHCARE SYSTEM, INC is ACUTE MYOCARDIAL INFARCTION, DISCHARGED ALIVE WITHOUT CC/MCC (DRG 282), with a listed charge of $37,778 compared to Medicare reimbursement of $2,856 — a ratio of 13.2x. Source: CMS IPPS Provider Summary.
Is MEMORIAL HEALTHCARE SYSTEM, INC expensive compared to other TN hospitals?
MEMORIAL HEALTHCARE SYSTEM, INC's average chargemaster-to-Medicare ratio is 5.9x. Ratios vary significantly across TN hospitals. This ratio reflects listed chargemaster prices, not what patients actually pay. CMS quality ratings, which measure patient outcomes and experience, are separate from pricing data.
Where does the pricing data for MEMORIAL HEALTHCARE SYSTEM, INC come from?
All pricing data comes from the Centers for Medicare & Medicaid Services (CMS) Inpatient Prospective Payment System (IPPS) Provider Summary, published under federal price transparency law (45 CFR Part 180). This data is publicly available and updated annually.
How can I check if my bill from MEMORIAL HEALTHCARE SYSTEM, INC is correct?
You can upload your bill to BillRazor for a free comparison against publicly available Medicare reimbursement data. Our system analyzes every line item in 60 seconds. Research suggests 49-80% of hospital bills contain errors, including duplicate charges, incorrect procedure codes, and unbundling.
Does MEMORIAL HEALTHCARE SYSTEM, INC in CHATTANOOGA, TN accept Medicare?
MEMORIAL HEALTHCARE SYSTEM, INC is included in the CMS IPPS Provider Summary, which covers Medicare-participating hospitals. For specific coverage questions, contact MEMORIAL HEALTHCARE SYSTEM, INC directly or check with your insurance provider.
Data sourced from CMS IPPS Provider Summary, FY2024. All information is for educational purposes only.