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Keystone Rural Health Center

EIN 25-1546810 · Chambersburg, PA

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthStrong100 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

PROVIDER OF HEALTH CARE SERVICES TO THE GENERAL POPULATION TARGETING UNINSURED, LOW-INCOME AND MEDICAL ASSISTANCE INDIVIDUALS.

Income
$114.0 million
Spending
$106.5 million
Spent on programs
87%
Reserves
13 months of spending
Largest source of income
fees for its services, 88%
Employees
816
Volunteers
15
Highest pay
$741,776, physician

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Strong: 100 out of 100. Higher than 95% of charities in its peer group (health care, over $100m).

  • Reserves

    35 of 35

    Spendable reserves would cover 13.0 months of spending.

  • Debt

    20 of 20

    It owes 4% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 7% of income.

  • Income trend

    15 of 15

    Income rose 8% on the year before.

  • Spending floor

    15 of 15

    87% of spending went to programs and raising each dollar of donations cost 0 cents.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 100 out of 100. Higher than 52% of charities in its peer group (health care, over $100m).

  • Independent board

    25 of 25

    14 of 14 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (6)
  1. $14.5 million spent. PROVIDER OF PEDIATRIC SERVICES TO THE GENERAL POPULATION TARGETING LOW INCOME MEDICARE AND MEDICAL ASSISTANCE INDIVIDUALS. SEE SCHEDULE O.
  2. $11.6 million spent. PROVIDER OF DENTAL SERVICES TO THE GENERAL POPULATION TARGETING LOW INCOME INDIVIDUALS. SEE SCHEDULE O.
  3. $9.1 million spent. PROVIDER OF BEHAVIORAL HEALTH SERVICES TO THE GENERAL POPULATION TARGETING LOW INCOME INDIVIDUALS. SEE SCHEDULE O.
  4. $57.0 million spent. PROVIDER OF WOMEN'S HEALTH, INTERNAL MEDICINE, PHARMACY SERVICES, HIV SERVICES, URGENT CARE, FAMILY MEDICINE, AUDIOLOGY AND SPEECH, INFECTIOUS DISEASE, PEDIATRIC THERAPIES, CHIROPRACTIC, FOOT AND ANKLE, CRISIS, COMMUNITY OUTREACH, AGRICULTURE WORKER PROGRAM AND SCHOOL BASED CLINIC TO THE GENERAL POPULATION TARGETING LOW INCOME MEDICARE AND MEDICAL ASSISTANCE INDIVIDUALS. IN ADDITION, WE ARE A PROVIDER OF HEALTH CARE SERVICES TO THE MIGRANT WORKER POPULATION OF THE COMMONWEALTH OF PENNSYLVANIA.
  5. 2025 KEYSTONE RURAL HEALTH CENTER LIKE EVERY YEAR, 2025 HAS HAD ITS CHALLENGES AND BLESSINGS. TO REVIEW A FEW OF THE HAPPENINGS: IN 2025, KEYSTONE HEALTH NAVIGATED A DYNAMIC LANDSCAPE MARKED BY SIGNIFICANT BILLING AND COMPLIANCE OVERHAULS, THE EXPIRATION OF KEY FEDERAL FUNDING AND TELEHEALTH FLEXIBILITY, AND THE INTRODUCTION OF NEW PROGRAMS AND FINANCIAL CHALLENGES. THE FEDERAL BUDGET EXPIRED ON SEPTEMBER 30, 2025, LEADING TO A GOVERNMENT SHUTDOWN AND A HOLD ON MANY MEDICARE CLAIMS. THE COMMUNITY HEALTH CENTER FUND ALSO EXPIRED ON THIS DATE, CREATING SIGNIFICANT FINANCIAL UNCERTAINTY, THOUGH MANY EXPECTED FUNDING TO BE RENEWED AT A FLAT LEVEL. THE ONE BIG BEAUTIFUL BILL ACT WAS SIGNED INTO LAW IN JULY 2025 AND INTRODUCED CHANGES TO MEDICAID ELIGIBILITY, INCLUDING WORK REQUIREMENTS AND MORE FREQUENT REDETERMINATIONS, WHICH WILL AFFECT PATIENT VOLUMES. FQHC PATIENTS WERE NOTABLY EXEMPT FROM NEW POTENTIAL CO-PAYS FOR EXPANSION ENROLLEES. FQHCS FACED REAL CHALLENGES IN 2025, AND THEY WILL CONTINUE THROUGH 2026 BECAUSE OF ATTACKS ON OUR PATIENT VOLUMES AND THE POOR. MANY OF THE NEW POLICIES POSE SIGNIFICANT RISKS AND THREATEN PATIENT ACCESS. CHANGES TO THE 340B PROGRAM ADMINISTRATION COULD BE A MASSIVE BLOW TO THE SOLVENCY OF FQHCS. HOWEVER, MANY BLESSINGS WERE ALSO GIVEN TO KEYSTONE HEALTH: WE HIRED 38 PROVIDERS AND 186 EMPLOYEES; WE PARTICIPATED IN OUR FIRST RESIDENCY WITH WELLSPAN FAMILY MEDICINE AND ARE PROVIDING CLINICAL EXPERIENCE TO TWO FAMILY MEDICINE RESIDENTS; WE CONSTRUCTED AND MADE OPERATIONAL THE CATHERINE STREET FACILITY WHICH HOUSES URGENT CARE, A BEHAVIORAL HEALTH WALK-IN, CRISIS INTERVENTION, DENTAL, LAB, X-RAY, PHARMACY, COMMUNITY OUTREACH, FAMILY MEDICINE, AND A FAMILY MEDICINE RESIDENCY. AS NOTED PREVIOUSLY, KEYSTONE HAD BEEN IN DISCUSSIONS WITH THE ARMSTRONG FAMILY FOR 14.98 ACRES AT 620 N FIFTH STREET, CHAMBERSBURG. KEYSTONE SETTLED ON THAT PROPERTY IN NOVEMBER OF 2025. EVERY THREE YEARS, KEYSTONE IS MANDATED TO UNDERGO AN OPERATIONAL SITE VISIT AND REVIEW FROM HRSA (OPERATIONAL SITE VISIT), THE JOINT COMMISSION, AND THE HIV/AIDS RYAN WHITE FEDERAL REVIEW, AND ALL WERE DUE IN 2025. KEYSTONE HAD VERY FEW AREAS FOR CORRECTION AND RECEIVED FULL ACCREDITATION AND CERTIFICATION FOR ALL THREE EVALUATIONS. IN THE FALL OF 2024, MANAGEMENT BEGAN TRAINING FOR THE TRANSITION AND IMPLEMENTATION OF ENTERPRISE RESOURCE PLANNING TO WORKDAY, FOR 1.6 MILLION. THE IMPLEMENTATION WILL OCCUR ON JANUARY 1, 2026. KEYSTONE AND WELLSPAN DECIDED THAT WELLSPAN WILL MANAGE THE INPATIENT CHAMBERSBURG HOSPITAL CRISIS INTERVENTION PROGRAM, AND KEYSTONE WILL MANAGE THE OUTPATIENT WALK-IN BEHAVIORAL HEALTH STABILIZATION PROGRAM AT THE CATHERINE STREET FACILITY. THE MANAGEMENT TEAM AND THE BOARD DECIDED THAT, BECAUSE OF FTCA MALPRACTICE INSURANCE AND A SHORTAGE OF OB PHYSICIANS, KEYSTONE HEALTH WOULD DISCONTINUE PROVIDING INPATIENT LABOR AND DELIVERY SERVICES EFFECTIVE JULY 1, 2026. WELLSPAN AGREED TO PROVIDE THIS SERVICE TO KEYSTONE PATIENTS. WELLSPAN IS CONSIDERING USING THE LABORIST MODEL, WHICH WOULD PROVIDE FOR AN OB PHYSICIAN IN THE HOSPITAL 24/7. KEYSTONE HEALTH WILL CONTINUE TO PROVIDE PRENATAL, POST-PARTUM, AND GYNECOLOGY SERVICES. KEYSTONES CEO NEGOTIATED A 1.5 MILLION COMMUNITY BENEFIT GRANT TO CONTINUE FOR ANOTHER FIVE YEARS, FROM 2026 THROUGH 2030. THE KEYSTONE BOARD APPROVED A QUALITY INCENTIVE BONUS FOR 2025, INCLUDING FULL-TIME EMPLOYEES RECEIVING 1,750, PART-TIME EMPLOYEES RECEIVING 875, AND PRNS RECEIVING 437.50. ANOTHER YEAR HAS PASSED WITH ITS BLESSINGS AND CHALLENGES. LET US NOT FORGET TO BE THANKFUL FOR ALL THE WONDERFUL MEMBERS OF THE KEYSTONE FAMILY WHO COME TO WORK, LOVE, AND CARE FOR EACH OTHER, OUR PATIENTS, AND OUR COMMUNITY. LET US NOT FORGET OUR BOARD MEMBERS, WHO FREELY GIVE THEIR TIME AND TALENT SO THAT OTHERS MAY HAVE ACCESS TO THE WONDERFUL CARE KEYSTONE HEALTH PROVIDES. GOD HAS BLESSED KEYSTONE HEALTH, AND FOR THESE BLESSINGS, I WILL BE ETERNALLY GRATEFUL, NOTED JOANNE COCHRAN.
  6. PROVIDER OF WOMEN'S HEALTH, INTERNAL MEDICINE, PHARMACY SERVICES, HIV SERVICES, URGENT CARE, FAMILY MEDICINE, AUDIOLOGY AND SPEECH, INFECTIOUS DISEASE, PEDIATRIC THERAPIES, CHIROPRACTIC, FOOT AND ANKLE, CRISIS, COMMUNITY OUTREACH, AGRICULTURE WORKER PROGRAM AND SCHOOL BASED CLINIC TO THE GENERAL POPULATION TARGETING LOW INCOME MEDICARE AND MEDICAL ASSISTANCE INDIVIDUALS. IN ADDITION, WE ARE A PROVIDER OF HEALTH CARE SERVICES TO THE MIGRANT WORKER POPULATION OF THE COMMONWEALTH OF PENNSYLVANIA.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated November 6, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending December 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since December 1988.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated November 4, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.