ZINTER, Justice.
[¶ 1.] Sherry Nygaard, Robert Dosch, and Brett and Debra Burgher (Patients) commenced these class actions against Sioux Valley Hospitals and Health System, Avera Health, and Rapid City Regional Hospital, Inc. (Hospitals).
The Patients were uninsured and not covered by Medicare/Medicaid. They sought damages for being charged the full, undiscounted price of the Hospitals’ services, which was more than the price paid by patients who were insured or covered by Medicare/Medicaid. Patients also sought damages for alleged misrepresentations concerning the Hospitals’ willingness to provide medical care regardless of ability to pay. They brought their claims on four theories. Three were premised on contract. The fourth alleged a violation of SDCL 37-24-6, part of South Dakota’s Deceptive Trade Practices and Consumer Protection Act (Trade Practices Act or the Act). The circuit courts granted the Hospitals’ motions to dismiss for failure to state a claim under SDCL 15-6-12(b)(5).
Although each case has procedural issues not present in the others, the four substantive theories are the same. Because Patients’ complaints fail to state a claim under the substantive theories, we have consolidated the cases and affirm.
The Parties and Issues
Nygaard v. Sioux Valley
[¶ 2.] Because the cases were dismissed for failure to state a claim, we restate the facts pleaded in the complaints. Sioux Valley is a non-profit corporation with its principle place of business in Sioux Falls, South Dakota. Sioux Valley described itself “as an integrated network of nearly 300 physicians and more than 150 healthcare facilities.” Nygaard alleged that Sioux Valley held itself out: as striving “to provide the highest value of health care services through a combination of high quality and cost effective care”; as being “dedicated to providing quality care for patients of all ages, regardless of race, creed, their circumstances, or their ability to pay for such services”; as providing “care for the elderly and poor through the Medicare and Medicaid programs at agreed upon rates, which are substantially lower than the normally charged rates”; and as providing “charity care to patients who have demonstrated an inability to pay for medical services.” Nygaard also alleged that Sioux Valley received state and federal tax exemptions, and as a nonprofit charitable organization, was required to provide services regardless of ability to pay.
[¶ 3.] In May 2003, Nygaard underwent surgery at Sioux Valley’s Vermillion Campus Hospital. She also received other related treatment at Sioux Valley’s facilities. Upon admission, Nygaard alleged that she was required to sign a standardized contract agreeing to pay, in full, unspecified and undiscounted charges for medical care. She also alleged that the
charges were pre-set by Sioux Valley in its sole discretion. Nygaard was subsequently charged what she describes as the full, undiscounted price of the services provided. Although Nygaard made payments to Sioux Valley, a substantial balance remained, and Sioux Valley charged interest and fees relating to that balance. The complaint does not reflect the amount Ny-gaard was charged, the amount she paid, or the amount that remains owing.
Dosch v. Avera
[¶ 4.] Avera is also a non-profit corporation with its principal place of business in Sioux Falls. Avera held itself out as a health ministry of the Benedictine and Presentation Sisters “serving the people of eastern South Dakota and surrounding states with hospitals, nursing homes, clinics and other health services at more than 100 locations.” Avera’s “Health Mission” stated that it “provide[s] a quality, cost effective health ministry, which reflects Gospel values.” Dosch alleged that Avera publicly stated that it was “guided by gospel values of ... hospitality and stewardship” and “compassion ... especially for the poor.... ” Dosch also alleged that Av-era received state and federal tax exemptions, and as a nonprofit charitable organization, was required to provide services regardless of ability to pay.
[¶ 5.] In May 1993, Dosch was treated for a broken hip at Avera St. Luke’s in Aberdeen, South Dakota. Upon admission, Dosch alleges that he was required to sign an agreement to pay the unspecified, undiscounted, pre-set charges described by Nygaard. Dosch was billed in excess of $30,000. He set up a payment plan, paying $200 per month, but the payments were offset by interest and fees.
Burghers v. Rapid, City Regional Hospital
[¶ 6.] Rapid City Regional Hospital (RCRH) is a non-profit charitable organization with its principle place of business in Rapid City, South Dakota. Burghers alleged that RCRH publicly represented itself: as “striving to continually exceed the expectations of every patient and customer in regard to service, effort and professional standards, demonstrating honest, positive and ethical behavior and communication in dealing with our patients, customers and employees”; as “providing quality services at the lowest possible cost”; and as “providfing] quality medical health care regardless of race, creed, sex, national origin, handicap, age, or ability to pay[.]” Burghers also alleged that RCRH received state and federal tax exemptions, and as a nonprofit charitable organization, was required to provide services regardless of ability to pay.
[¶ 7.] Brett and Debra Burgher, and their son, Nathan, all received medical care at RCRH. Before receiving treatment, they were also required to sign an agreement to pay the unspecified, undis-counted, pre-set charges described by Ny-gaard.
[¶ 8.] The following issues have been preserved
for review:
1) Whether the circuit court erred in dismissing Patients’ contract theories involving: an implied, commercially reasonable price term; breach of the covenant of good faith and fair dealing; and enforcement of an adhesion contract.
2) Whether the circuit court erred in dismissing Patients’ claims under the Trade Practices Act.
Standard of Review
[¶ 9.] “A motion to dismiss under SDCL 15 — 6—12(b) tests the legal sufficiency of the pleading, not the facts which support it. For purposes of the pleading, the court must treat as true all facts properly pled in the complaint and resolve all doubts in favor of the pleader.”
Guthmiller v. Deloitte & Touche, LLP,
2005 SD 77, ¶ 4, 699 N.W.2d 493, 496. “[T]hese ‘motions are viewed with disfavor and seldom prevail.’ ”
Elkjer v. City of Rapid City,
2005 SD 45, ¶ 6, 695 N.W.2d 235, 238 (quoting
Fenske Media Corp. v. Banta Corp.,
2004 SD 23, ¶7, 676 N.W.2d 390, 392-393 (citations omitted)). However, “facts ‘well pled’ and not mere conclusions may be accepted as true.”
Janklow v. Viking Press,
378 N.W.2d 875, 877 (S.D.1985). A 12(b)(5) motion “does not admit conclusions of the pleader either of fact or law.”
Akron Savings Bank v. Charlson,
83 S.D. 251, 253, 158 N.W.2d 523, 524 (1968). Therefore, “[w]hile the court must accept allegations of fact as true when considering a motion to dismiss, the court is free to ignore legal conclusions, unsupported conclusions, unwarranted inferences and sweeping legal conclusions cast in the form of factual allegations.”
Wiles v. Capitol Indemnity Corp.,
280 F.3d 868, 870 (8th Cir.2002). We review the circuit court’s ruling de novo, with no deference to its determination.
Elkjer,
2005 SD 45 at ¶ 6, 695 N.W.2d at 238.
Decision
1) Contract Theories
[¶ 10.] The circuit court that dismissed Nygaard’s and Dosch’s breach of contract theories viewed the essence of their claims as contentions that the Hospitals breached the contracts by not charging Patients the reduced rate that insured and Medicare/Medicaid patients received. The circuit court’s view was based on the complaints’ numerous references to being charged the “full, undiscounted cost” rather than the discounted rates Hospitals charged insured and Medicare/Medicaid patients. Therefore, when dismissing, the circuit court explained that recognizing such a claim would put the court in the role of a policy maker and “usurp the traditional role of the Legislature” in regulating hospitals. The circuit court in Burghers’ case reached essentially the same conclusion.
[¶ 11.] Patients, however, emphatically contend that none of their theories seek entitlement to the discounted rates charged to insured and Medicare/Medicaid patients. They contend that their references to discounted rates were merely pleaded as an illustration that the Hospitals’ charges were unreasonable. Thus, on appeal, Patients “clarify” that they are not claiming entitlement to the discounted prices charged to others. Instead, they first contend that the Hospitals breached the contracts by charging more than an implied, commercially reasonable rate.
(a) Implied Pnce Term
[¶ 12.] Because there were no price terms itemized in the agreements, Patients pleaded that “[ijmputed in these contracts is the express and/or implied contractual obligation by [Hospitals] that [they] would charge Plaintiff[s] and the Class no more than the fair and reasonable charge for such medical care.” However, we conclude that this theory fails to state a claim because the price terms were controlled by language in the contracts. The complaints all allege that the Hospitals required the Patients to sign contracts agreeing “to pay, in full, unspecified and undiscounted charges for medical care, which charges [were]
pre-set
by [the Hospitals]_” (Emphasis added.) Because, as we explain below, pre-set price charges were pleaded, the price terms were fixed and determinable, and because the contracts spoke to the issue of price, the law does not permit imputation of different, implied price terms for what patients later claimed were the reasonable values of the services provided.
[¶ 13.] “[I]n order to ascertain the terms and conditions of a contract, we examine the contract as a whole and give words their ‘plain and ordinary meaning.’ ”
Canyon Lake Park, L.L.C., v. Loftus Dental, P.C., 2005
SD 82, ¶17, 700 N.W.2d 729, 734 (quoting
Gloe v. Union Ins. Co.,
2005 SD 30, ¶ 29, 694 N.W.2d 252, 260). Although the price of each hospital service was not listed in the contract itself, “[w]ords [that] fix an ascertainable fact or event, by which the term of a contract [ ] can be determined, make the contract definite and certain in that particular.”
Kuhfeld v. Kuhfeld,
292 N.W.2d 312, 315 (S.D.1980).
See also Restatement (Second) of Contracts § 38(2) (1981)
(stating: “The terms of a contract are reasonably certain if they provide a basis for determining the existence of a breach and for giving an appropriate remedy.”).
[¶ 14.] Here, the word “pre-set” is the operative language of the contracts regarding price. The prefix “pre-” is defined as “[e]arlier; before; prior to.” The American Heritage College Dictionary, 1075 (3d 1997). “Set” is defined as “[t]o fix at a given amount.”
Id.
at 1247. Therefore, under the ordinary meaning of the language “pre-set charges,” the contract prices were fixed at a given amount prior to the execution of the contracts. And obviously, prices that are previously fixed at a given amount are determinable.
[¶ 15.] Therefore, according to the pleadings, the price terms were fixed and determinable from the language of the contracts. For that reason, the contracts were not silent or open concerning price and we cannot impute commercially rea
sonable or fair and reasonable price terms into the agreements. As most courts have noted in similar hospital pricing litigation, if the charges are ascertainable through reference to outside sources, there is no need to judicially impute a fair and reasonable price term.
See Morrell v. Wellstar Health System, Inc.,
280 Ga.App. 1, 5, 633 S.E.2d 68, 72 (2006) (noting: “The rules of contract construction enabled [the conclusion] that [the term] ‘all charges’ unambiguously referred to the written summary of specific charges required by [a statute.]”);
Cox v. Athens Regional Medical Center, Inc.,
279 Ga.App. 586, 587-592, 631 S.E.2d 792, 795-797 (2006) (concluding that agreeing to pay “in accordance with the rates and terms of the hospital” is not an open price term subject to an implication of reasonableness considering statutory requirement that hospitals provide written price summaries upon request);
Shelton v. Duke Univ. Health System, Inc.,
633 S.E.2d 113, 116-117 (N.C.App.2006) (concluding that “regular rates and terms of the Hospital” is not an open price term when the prices are set forth in a charge-master list).
[¶ 16.] We acknowledge that the pleadings do not reference the disclosure statutes or “chargemaster” lists
that were referenced in these decisions. However, the point of these cases is that if the contract price is fixed and determinable from sources outside the written agreement, the price term is not open in the sense that it allows a claim for some imputed, commercially reasonable price term.
See
Restatement (Second) of Contracts § 204 cmt c (stating “where a term can be supplied by logical deduction from agreed terms and the circumstances, interpretation may be enough”).
[¶ 17.] That is precisely what occurred in this case. Patients pleaded that the price terms were pre-set. Therefore, the prices were fixed and determinable, and the pre-set price terms precluded imputation of different, implied terms.
The ap
plication of this rule is especially compelling in these cases: “in a hospital setting, it is not possible to know at the outset what the cost of the treatment will be, because it is not known what treatment will be medically necessary.”
Cox,
279 Ga.App. at 590-591, 631 S.E.2d at 797. The application of the rule is also compelling because Patients did not plead that they were charged something other than the pre-set charges, or that they requested but were denied access to the pre-set charges. Other courts have concluded that similar omissions support a dismissal for failure to state a claim.
See Shelton,
633 S.E.2d 113 (affirming dismissal of breach of contract claim when contract’s price term was “regular rates” of the hospital, reasoning that patient had not requested information on the regular rates and did not claim that the rates charged were not “regular”);
Elliot Hospital v. Boerner,
04-C-739 (HillsboroughSuperCtNDNH July 15, 2005) (dismissing breach of contract claim, reasoning that although the hospital contract required payment of the “usual and customary charges,” “there [was] no indication that [the patient] requested an estimate or questioned what the [hospital’s] usual and customary charges were prior to signing the agreement”).
See also Satterfield v. Southern Regional Health System, Inc.,
280 Ga.App. 584, 585-586, 634 S.E.2d 530, 531 (2006) (dismissing breach of contract claim in a state where a statute required availability of prices and patients had failed to “allege that the pricing information was unavailable”).
(b) Covenant of Good Faith and Fair Dealing
[¶ 18.] Patients argue that the Hospitals breached the covenant of good faith and fair dealing by charging prices that did not relate to the cost of the services and were unreasonable and unexpected based on the Hospitals’ representations. The circuit courts dismissed this theory reasoning that the breach of the duty of good faith and fair dealing did not give rise to a separate cause of action.
[¶ 19.] In
Farm Credit Servs. of Am. v. Dougan,
2005 SD 94, 704 N.W.2d 24, we considered when a cause of action arises for breach of the implied covenant of good faith and fair dealing. We held that “South Dakota does not recognize an independent [tort] for breach of the implied covenant of good faith and fair dealing.”
Id.
at ¶ 6, 704 N.W.2d at 27 (citing
Garrett v. BankWest, Inc.,
459 N.W.2d 833, 842 (S.D.1990);
McKie v. Huntley,
2000 SD 160, ¶ 10, 620 N.W.2d 599, 602). Consequently, to the extent Patients’ complaints sought recovery for the independent tort of breach of the covenant of good faith and fair dealing, we affirm the circuit courts’ dismissals.
[¶ 20.] However, we must also consider the claim of breach of the implied covenant of good faith and fair dealing to the extent that it was a part of the parties’ agreements. This Court has previously recognized that “ ‘[e]very contract contains an implied covenant of good faith and fair dealing [that] prohibits either contracting party from preventing or injuring the other party’s right to receive the agreed benefits of the contract.’ ”
Id.
at ¶ 8, 704 N.W.2d at 28 (quoting
Garrett,
459 N.W.2d at 841). The concept of good faith and fair dealing is also recognized in the analogous provision of SDCL 57A-1-203 (UCC § 1-203): “Every contract or duty within this
title imposes an obligation of good faith in its performance or enforcement.”
[¶ 21.] This duty of good faith permits an aggrieved party to bring a breach of contract action when the other party:
[B]y [its] lack of good faith, limited or completely prevented the aggrieved party from receiving the expected benefits of the bargain. A breach of contract claim is allowed even though the conduct failed to violate any of the express terms of the contract agreed to by the parties.
Garrett,
459 N.W.2d at 841 (citations omitted). The meaning of the covenant varies with the context of the contract. Ultimately, the duty “emphasizes faithfulness to an agreed common purpose and consistency with the justified expectations of the other party.”
Id.
(citing Restatement (Second) of Contracts § 205, cmt a (1981)).
[¶ 22.] However, the duty of good faith and fair dealing “is not a limitless duty or obligation.”
Id.
“The implied obligation ‘must arise from the language used or it must be indispensable to effectuate the intention of the parties.’ ”
Id.
(quoting
Sessions, Inc. v. Morton,
491 F.2d 854, 857 (9th Cir.1974)). We also recognized a limitation when the language of a contract addresses the issue.
The covenant of good faith does not create an amorphous companion contract with latent provisions to stand at odds with or in modification of the express language of the parties’ agreement. It is not a repository of limitless duties and obligations.
Farm Credit Services,
2005 SD 94 at ¶ 9, 704 N.W.2d at 28 (citations omitted). Therefore, we explained that “[i]f the express language of a contract addresses an issue, then there is no need to construe intent or supply implied terms” under the implied covenant.
Id.
at ¶ 10 (citations omitted).
[¶ 23.] In the instant cases the express language of the contracts addressed the price issue. As previously explained, although the price of every hospital service was not itemized in the contracts, the pleadings allege that the charges were pre-set. And because these pre-set charges were fixed and determinable, these contracts addressed the issue of price and there is no basis to supply different price terms. A different implied price term would impermissibly stand at odds with and modify the pre-set price term.
Id.
at ¶ 9. Because we further observe that there is no allegation that Hospitals limited Patients’ access to, or charged something other than, the pre-set charges referred to in the pleadings, Patients’ breach of the contractual covenant of good faith and fair dealing theory failed to state a claim.
(c) Enforcement of an Adhesion Contract
[¶ 24.] Patients pleaded that the Hospitals did not provide an opportunity for negotiating the agreements and that there was greatly disparate and wholly unequal bargaining power. They further pleaded that such standardized contracts are contracts of adhesion that are unconscionable and contrary to public policy.
See generally. Mobile Electronic Service, Inc., v. FirsTel, Inc.,
2002 SD 87, ¶¶ 7-9, 649 N.W.2d 603, 605-606 (finding a contract unconscionable and unenforceable);
Citibank (S.D.), N.A. v. Hauff,
2003 SD 99, ¶20, 668 N.W.2d 528, 534-535 (describing construction of a contract of adhesion).
[¶ 25.] In determining whether a contract is an unenforceable contract of adhesion, this Court looks not only at the bargaining power between the parties but also at the specific terms of the agreement.
Scotland Vet Supply v. ABA Recovery Service, Inc.,
1998 SD 103, ¶ 13, 583
N.W.2d 834, 837. Thus, we focus on both “overly harsh or one-sided terms,”
i.e.,
substantive unconscionability; and how the contract was made (which includes whether there was a meaningful choice),
i.e.,
procedural unconscionability.
Johnson v. John Deere Company,
306 N.W.2d 231, 237 (S.D.1981) (citation omitted).
[¶ 26.] Patients’ complaints pleaded both procedural and substantive uncon-scionability. They allege that they were forced to sign the standardized agreements before they could receive medical care and that there was unequal bargaining power. Their complaints also allege that the contracts required them to pay pre-set charges that were determined at the sole discretion of the Hospitals.
[¶ 27.] Patients sought two types of relief. They alleged that the Hospitals’ use of an adhesion contract caused them economic injury and damages. They also alleged that the contracts were unenforceable.
[¶ 28.] To the extent that Patients claimed entitlement to economic damages simply because they entered into a contract of adhesion, the complaints failed to state a claim upon which relief can be granted. Counsel acknowledged at oral argument that the nature of an adhesion claim does not give rise to an independent cause of action for damages.
[¶ 29.] But even aside from this acknowledgement, and assuming that the contract was an unconscionable contract of adhesion, Patients have no right to recover damages simply because they
entered into
an unconscionable contract. As the Eleventh Circuit Court of Appeals noted:
[T]he equitable theory of unconscionability has never been utilized to allow for the affirmative recovery of money damages. The Court finds that neither the common law of Florida, nor that of any other state, empowers a court addressing allegations of unconscionability to do more than refuse
enforcement
of the unconscionable section or sections of the contract so as to avoid an unconscionable result.
Cowin Equip. Co., Inc., v. General Motors Corp.,
734 F.2d 1581, 1582 (11th Cir.1984) (emphasis in original) (quoting
Bennett v. Behring Corp.,
466 F.Supp. 689, 700 (S.D.Fla.1979)). Other “cases [that] have addressed the issue have consistently rejected the theory that damages may be collected for an unconscionable contract provision, citing the language of [UCC] § 2-302 and its common law precursor. ...”
Id.
“The doctrine of unconsciona-bility is to be used as a shield, not a sword, and may not be used as a basis for affirmative recovery.”
Super Glue Corp., v. Avis Rent A Car Sys., Inc.,
132 A.D.2d 604, 606, 517 N.Y.S.2d 764 (N.Y.App.Div.1987). “Under both the UCC and common law, a court is empowered to do no more than refuse enforcement of the unconscionable contract or clause.”
Id.
(citations omitted). This Court has also noted that the doctrine is a defensive mechanism that enables parties to escape their obligations under contracts contravening public policy.
Bartron v. Codington County,
68 S.D. 309, 323, 2 N.W.2d 337, 344 (1942) (quoting
Baltimore and Ohio Southwestern Rail
way Co. v. Voigt,
176 U.S. 498, 505, 20 S.Ct. 385, 387, 44 L.Ed. 560 (1900)). “ ‘Adhesive clauses, exacted by the overreaching of a contracting party who is in an unfairly superior bargaining position, are always subject to the
defense
of uncon-scionableness. Public policy invalidates such clauses.’ ” 8 Samuel Williston and Richard A. Lord,
A Treatise on the Law of Contracts,
§ 18:5 at 28 (4th ed 1998) (emphasis added) (quoting
Fluor Western, Inc. v. G & H Offshore Towing Co.,
447 F.2d 35 (5th Cir.1971)).
[¶ 30.] Patients have not, however, directed us to any case permitting an affirmative claim for damages simply because someone may have entered into a one-sided agreement. Therefore, we affirm the circuit courts’ dismissal of Patients’ affirmative adhesion contract claims that are being used as a sword to recover damages only because Patients entered into the contracts. We also affirm the dismissal of any defensive claims because in these cases there are no pleadings indicating that Hospitals are suing for enforcement of the contracts.
2) Trade Practices Act
[¶ 31.] The circuit courts dismissed this theory, noting that the complaints did not identify the specific section of the Act that was violated and the complaints did not sufficiently plead fraud. Both courts also concluded that the claims under the Act were simply premised on differential pricing.
[¶ 32.] Patients’ complaints pleaded three types of alleged violations of the Trade Practices Act: (1) that the Hospitals falsely held themselves out to the public as providing cost-effective health care regardless of ability to pay;
(2) that Hospitals’ discriminatory pricing policies violated the Act; and (3) that Patients believed that Hospitals would make good faith efforts to determine their ability to pay following treatment and Hospitals would not charge those who were unable to pay.
We analyze these claims under SDCL 37-24-6, which provides in part:
It is a deceptive act or practice for any person to:
(1) Knowingly and intentionally act, use, or employ any deceptive act or practice, fraud, false pretense, false promises, or misrepresentation or to conceal, suppress, or omit any material fact in connection with the sale or advertisement of any merchandise, regardless of whether any person has in fact been mislead, deceived, or damaged thereby....
[¶ 33.] Patients correctly point out that SDCL 37-24-6(1) makes these violations actionable “regardless of whether any person has in fact been mislead, deceived, or damaged thereby....” However, that statute is the criminal proscription. Patients’ civil actions are gov
erned by SDCL 37-24-31, which specifically requires a causal connection between the alleged violation and the damages suffered:
Any person who claims to have been adversely affected by any act or a practice declared to be unlawful by § 37-24-6 shall be permitted to bring a civil action for the recovery of actual damages suffered
as a result
of such act or practice.
(Emphasis added.)
Therefore, to state a claim under SDCL 37-24-31, Patients must have pleaded that their economic damages were proximately caused by one or more of the three alleged violations of the Act.
Provision of Care Regardless of Ability to Pay
[¶ 34.] Patients first alleged that Hospitals misrepresented their willingness to
provide care
regardless of ability to pay. Therefore, under the causation element of their civil remedy, Patients’ complaint must have left sufficient room to prove the fact that they were denied health care because of their inability to pay. However, this causal proof is not possible under the pleadings. The complaints affirmatively allege that Patients actually received medical care despite their inability to pay. Therefore, according to the pleadings, the Hospitals’ representations regarding the provision of care were not misrepresentations, and this type of allegation fails to state a claim under the Act.
Discriminatory Pricing
[¶ 35.] Patients’ second claim alleges a failure to charge discounted pricing similar to that provided for insured and Medicare/Medicaid patients. Patients pleaded:
As alleged above, Defendant’s conduct in charging Plaintiff[s] and the Class the highest and full, undiscounted and uncompensated cost for medical care and its charging the Plaintiff[s] and the Class a higher amount than its insured patients for the same medical services, despite its charitable, non-profit, tax-exempt status, is in violation of the South Dakota Deceptive Trade Practices and Consumer Protection Act because it is unfair, discriminatory, unconscionable, unethical, immoral, and oppressive. Such conduct is against public policy and has caused substantial economic injury to Plaintiff[s] and the Class.
[¶ 36.] This claim fails to state a claim for two reasons. First, this pleading does not allege prohibited conduct under Act;
i.e.,
deceptive practices, fraud, false pretenses, false promises or misrepresentations to conceal, suppress, or
omit
material facts. Instead, this pleading simply alleges unfairness, claiming that differential pricing by charitable institutions is “unfair, discriminatory, unconscionable, unethical, immoral, and oppressive.” This type of allegation does not fall within the deceptive practices prohibited by the Act.
[¶37.] Second, even if we were to assume that this pleading could state a deceptive pricing claim under the Act, it is
an attempt to claim that the Hospitals’ charitable tax exempt status, under 26 USC § 501(c)(3) and other state tax exemptions, imposes a duty to charge the discounted rates that insured and Medicare/Medicaid patients receive. However, this is the very claim that Patients now disavow. It is also a claim that has been rejected by virtually every court that has considered the issue.
Therefore, the circuit courts properly dismissed this type of allegation.
Patients’ Beliefs Concerning Post-Care Charges
[¶ 38.] Patients finally allege that they
“believed
that Defendants] would make good faith efforts to determine a person’s ability to pay following evaluation or treatment and would not bill or charge those ... who were unable to pay. Thus [they]
believed
that free care or reduced cost care would be provided ... based upon [their] ability to pay....” (Emphasis added.) However, these conclusory statements of belief are not sufficient to survive a motion to dismiss.
[¶ 39.] To survive a motion to dismiss, a plaintiff “must allege causation with sufficient particularity such that we can determine whether the factual basis for its claim, if proven, could support an inference of proximate cause.”
First Nationwide Bank v. Gelt Funding Corp.,
27 F.3d 763, 770 (2d Cir.1994). “ ‘[C]oncluso-ry allegations or legal conclusions masquerading as factual conclusions will not suffice to prevent a motion to dismiss.’ ” 2 James Moore,
Moore’s Federal Practice,
§ 12.34(l)(b) (3rd ed 2006) (quoting
Campbell v. San Antonio
43 F.3d 973, 975 (5th Cir.1995)). “While facts must be accepted as alleged, this does not automatically extend to bald assertions, subjective characterizations, or legal conclusions. The plaintiff need not include evidentiary detail, but must allege a factual predicate concrete enough to warrant further proceedings.”
Id.
(quoting
DM Research v. College of American Pathologists,
170 F.3d 53, 55-56 (1st Cir.1999) (citations omitted)).
[¶ 40.] In this case, Patients have only pleaded subjective characterizations of belief and legal conclusions of proximate cause that are untethered to any factual predicate that could constitute causation. In fact, Patients’ subjective beliefs are totally at odds with their pleadings. Patients did not plead that the Hospitals made any representations involving post-eare determinations of ability to pay. Furthermore, Patients’ alleged damages could not have arisen
as a result
of such beliefs because they did not plead that it was their beliefs that caused them to select these Hospitals in lieu of other healthcare providers. Rather than alleging that they sought care at these facilities because they believed they would receive post-treatment reduction of charges, they specifically alleged that they entered into contracts that required them to pay the full, undiscount-ed prices that were pre-set by the Hospitals. Therefore, Patients’ subjective and conclusory allegations of belief and proximate cause failed to state a claim of causation.
[¶ 41.] For all of the foregoing reasons, the circuit courts’ dismissals are affirmed. In light of this disposition of the substantive theories that are central to each case, we need not reach the parties’ remaining issues and arguments.
[¶ 42.] Affirmed.
[¶ 43.] GILBERTSON, Chief Justice, and KONENKAMP, and MEIERHENRY, Justices, and MACY, Circuit Court Judge, concur.
[¶ 44.] MACY, Circuit Court Judge, for SABERS, Justice, disqualified.