Abby Allen and Walter Moore v. Clarian Health Partners, Inc., 980 N.E.2d 306

Uninsured Plaintiffs Allen and Moore file putative class action against Clarian Health Partners for breach of contract and declaratory judgment that uninsured chargemaster rates are unreasonable.
Allen signed a contract to pay the account for treatment; the contract contains no explicit price term, only a promise to pay if not covered by insurance.
Clarian billed its chargemaster rates for services totaling $15,641.64; Plaintiffs contend insured discounts would have yielded $7,308.78 for the same services.
Trial court dismissed the complaint for failure to state a claim; Court of Appeals reversed, suggesting a reasonable-price term could be implied.
Indiana Supreme Court grants transfer and affirms the trial court, holding no reasonable-price term can be imputed and the contract refers to the chargemaster.
Conclusion: breach claim upheld; declaratory-judgment claim not reached.

Issue	Plaintiff's Argument	Defendant's Argument	Held
Whether a price term is implied where the contract omits price	Allen argues price is implicit as reasonable value.	Clarian argues the price term is the chargemaster; no need to impute reasonableness.	No imputed reasonable price term; contract refers to chargemaster.

DiCarlo v. St. Mary Hosp., 530 F.3d 255 (3d Cir. 2008) (charge master reference supports definite pricing)
Banner Health v. Med. Sav. Ins. Co., 163 P.3d 1096 (Ariz. Ct. App. 2007) (charges billed per chargemaster as basis for payment)
Nygaard v. Sioux Valley Hosp. & Health Sys., 731 N.W.2d 184 (S.D. 2007) (price term tied to hospital's chargemaster)
Stanley v. Walker, 906 N.E.2d 852 (Ind. 2009) (collateral-source evidence not extended to contract claims)
First Fed. Sav. Bank of Ind. v. Key Markets, Inc., 559 N.E.2d 600 (Ind. 1990) (do not engraft reasonableness into clear terms)
Conwell v. Gray Loon Outdoor Mktg. Grp., Inc., 906 N.E.2d 805 (Ind. 2009) (certainty required; otherwise contract may be imperfectly defined)