CMS ⭐ Rating BillSherpa · Hospital Billing Guide · Updated 2026

St Francis Hospital Billing Errors — How to Check If You Were Overcharged

If you received a bill from St Francis Hospital in Memphis, TN, you're not alone in questioning it. The federal government's own patient satisfaction data gives this facility a 1-star rating — and billing concerns are one of the most common reasons patients leave negative reviews. Here's how to check whether your bill is correct, what your legal rights are, and what to do if you find an error.

What a 1-star rating means for billing

CMS patient satisfaction ratings cover multiple dimensions of hospital care, including communication with staff, responsiveness, cleanliness, and overall experience. A 1-star rating places St Francis Hospital in the bottom 10 percent of hospitals nationally.

While star ratings don't directly measure billing accuracy, research consistently shows that hospitals with lower patient satisfaction scores also tend to have higher rates of billing complaints. Patients who feel poorly treated during their stay are also more likely to scrutinise their bills — and more likely to find errors when they do.

More importantly: billing errors are common at every hospital, regardless of star rating. Studies show that up to 80% of hospital bills contain at least one error. The difference is that patients of low-rated hospitals are more motivated to check.

The most common billing errors at hospitals like St Francis Hospital

Based on our analysis of thousands of hospital bills, these are the error types most likely to appear on your bill:

1. Services not rendered

Charges for supplies, procedures, or tests that were ordered but never actually performed. This is the highest-dollar error type — a CT scan or surgical tray that appears on your bill but wasn't used can mean thousands of dollars in charges you don't owe. Under CMS billing guidelines, every billed service must be documented in your medical record.

2. Duplicate charges

The same CPT code billed more than once on the same date of service. Lab tests — particularly blood panels — are especially prone to duplicate billing when orders are entered multiple times in the system. Each duplicate is a direct overcharge.

3. Upcoding

Billing for a more complex or expensive service than was actually provided. Emergency department visits run from Level 1 (simple) to Level 5 (complex, CPT 99285, up to $2,500). Hospitals sometimes assign higher-level codes than the visit warranted. We compare the code billed against the documentation in your chart.

4. Unbundling

Billing component services separately when CMS rules require them to be billed as a single bundled code. The National Correct Coding Initiative (NCCI) publishes over 3.3 million code pairs that cannot be billed separately. Splitting these codes inflates your bill and violates NCCI rules.

5. Wrong diagnosis code linkage

A preventive visit coded as diagnostic means your full deductible applies for a visit that should be free under the ACA's preventive care mandate. Wrong ICD-10 diagnosis codes can also cause claims to be denied or misrouted, resulting in unexpected patient liability.

6. Out-of-network surprise billing

Under the No Surprises Act 42 U.S.C. § 300gg-111, you cannot be billed more than your in-network cost-sharing for emergency care or for out-of-network providers at in-network facilities who treated you without your advance written consent. If St Francis Hospital billed you at out-of-network rates for emergency care, that may be illegal.

Your legal rights as a St Francis Hospital patient

Federal law gives you significant rights when disputing a hospital bill. Here are the most important ones:

1. Right to an itemized bill. You can request a line-by-line breakdown of every charge, including CPT codes, ICD-10 codes, and billed amounts. St Francis Hospital is legally required to provide one. Call their billing department and request it in writing.
2. Right to dispute errors. If you believe any charge is incorrect, you can formally dispute it in writing. The hospital must respond. Send your dispute certified mail and keep a copy.
3. Right to pause collection. Under the Fair Debt Collection Practices Act 15 U.S.C. § 1692g, if your bill has gone to collections, sending a written dispute within 30 days of the collector's first written notice pauses all collection activity until the debt is verified.
4. No Surprises Act protection. For emergency care or out-of-network providers at in-network facilities, your cost-sharing is limited to in-network rates regardless of the provider's network status 42 U.S.C. § 300gg-111.
5. State protections. Tennessee's Balance Billing Protection Act provides additional protections for fully-insured health plan members.
6. Price transparency rights. Under the Hospital Price Transparency Rule 45 CFR § 180, St Francis Hospital is required to publicly post their prices for 300+ standard services. If your billed amount significantly exceeds their own published rate, that's a powerful dispute argument.

How to dispute a bill from St Francis Hospital

If you believe your bill contains an error, here are the steps to take:

1. Request your itemized bill and medical records simultaneously. Call St Francis Hospital's billing department and request both. You need to compare what was billed against what was actually documented in your chart. Hospitals must provide both under federal law.
2. Check each line item against your records. For every procedure, supply, or test on your bill, look for documentation in your medical record confirming it occurred. Missing documentation is evidence the charge may be incorrect.
3. Write a formal dispute letter. Cite the specific CPT codes you're disputing, explain why each is incorrect, and reference the relevant law by statute number. Send it certified mail to the billing department and to the hospital's compliance office. Keep a copy.
4. Escalate if the billing department doesn't respond. Contact the hospital's patient advocate or patient relations office. File a complaint with your state insurance commissioner. File a complaint with CMS at cms.gov if the No Surprises Act is involved.
5. Don't pay the disputed amount while your dispute is pending. Pay the portions you agree are correct and formally dispute the rest in writing. This shows good faith without accepting an incorrect charge.