Allograft umbil cord+amniotic membrane-q4148-cost per sq cm at Mercy San Juan Medical Center

6501 Coyle Avenue, Carmichael, CA · CommonSpirit Health · · NPI 1972541498

Source: hospital's published price file ↗ · Published Feb 28, 2026 · Ingested Sep 10, 2026

$3,718.18

Cash price

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Discounted cash price

What a hospital charges a self-pay patient who pays directly, without going through insurance — usually well below the gross charge.

Example: A CT scan has a $3,200 gross charge but an $850 discounted cash price. Ask for it by name when scheduling — hospitals don't always advertise it up front.

Full explanation →

What you pay up front if you don't use insurance.

$13,570.00

Gross charge

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Gross charge (chargemaster price)

The hospital's full, undiscounted list price — pulled from its internal "chargemaster" price list. Almost no one actually pays this.

Example: A chest X-ray has a gross charge of $1,450. The same hospital's discounted cash price for the same X-ray is $180 — the gross charge mostly anchors negotiations, not what patients pay.

Full explanation →

The hospital's undiscounted list price — almost no one pays this.

$136.14 with Hill Physicians vs $7,784.25 with BCBS - Anthem — same scan, same building. Share

Negotiated rates by payer
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Negotiated rate

The price a specific insurance plan agreed to pay the hospital for a service — it varies by insurer, and even by plan within the same insurer.

Example: The same knee MRI has a negotiated rate of $904 with one insurer's PPO plan and $1,509 with another's — identical hospital, identical scan.

Full explanation →

Payer
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Payer

The insurance company footing the bill — Aetna, UnitedHealthcare, Medicare, and so on.

Example: "Blue Cross Blue Shield" is the payer. Its negotiated rate for an MRI might be $904, while a different payer's negotiated rate for the same scan is $1,509.

Full explanation →
Plan
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Plan

The specific product an insurer sells — e.g. "Blue Cross PPO 500" — which sets your deductible, coinsurance and negotiated rates.

Example: Two people both insured by Aetna can owe very different amounts for the same MRI: $50 with an HMO plan's flat copay, or the full $1,200 toward a high-deductible PPO plan's unmet deductible.

Full explanation →
Negotiated rate vs. cash
Hill Physicians Commercial|All Plans $136.14 ↓ -96%
United Commercial|Options PPO $210.39 ↓ -94%
United Commercial|All Other Plans $210.39 ↓ -94%
United Commercial|HMO $210.39 ↓ -94%
Cigna Commercial|LocalPlus $298.73 ↓ -92%
Cigna Commercial|All Other Plans $398.39 ↓ -89%
BCBS - Anthem Medicaid|All Plans $419.37 ↓ -89%
United Commercial|Non-Options PPO $510.94 ↓ -86%
WCMG Commercial|All Plans $882.75 ↓ -76%
Kaiser Medicare|All Plans $1,845.75 ↓ -50%
Kaiser Commercial|All Plans $1,845.75 ↓ -50%
Kaiser Medicaid|All Plans $1,845.75 ↓ -50%
Partnership Health Plan Medicaid|All Plans $2,006.25 ↓ -46%
Molina Medicaid|All Plans $2,086.50 ↓ -44%
Health Net Medicaid|All Plans $2,247.00 ↓ -40%
California Health & Wellness Medicaid|All Plans $2,247.00 ↓ -40%
Health Net Commercial|EPPO $3,129.75 ↓ -16%
Blue Shield CA Commercial|ACO Trio $5,216.25 ↑ +40%
Western Health Advantage Commercial|All Plans $5,216.25 ↑ +40%
Health Net Commercial|FFS $5,697.75 ↑ +53%
Healthsmart Commercial|All Plans $6,018.75 ↑ +62%
First Health Commercial|All Plans $6,018.75 ↑ +62%
BCBS - Anthem Commercial|Connection EPO $6,259.50 ↑ +68%
Sutter Health Commercial|All Plans $6,420.00 ↑ +73%
Blue Shield CA Commercial|Exchange $6,580.50 ↑ +77%
Blue Shield CA Commercial|ACO Trio CalPers $6,580.50 ↑ +77%
MultiPlan Commercial|All Plans $6,660.75 ↑ +79%
Aetna Commercial|PPO $6,821.25 ↑ +83%
Aetna Commercial|All Other Plans $6,821.25 ↑ +83%
Aetna Commercial|HMO $6,821.25 ↑ +83%
Blue Shield CA Commercial|HMO $7,222.50 ↑ +94%
Blue Shield CA Commercial|PPO $7,222.50 ↑ +94%
Blue Shield CA Commercial|PPO Tandem $7,222.50 ↑ +94%
Blue Shield CA Commercial|CalPers $7,383.00 ↑ +99%
BCBS - Anthem Commercial|All Other Plans $7,784.25 ↑ +109%
BCBS - Anthem Commercial|MCS $7,784.25 ↑ +109%

Visitor-reported prices

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Allograft umbil cord+amniotic membrane-q4148-cost per sq cm at other California hospitals

Hospital City Cash price Negotiated range
St. John's Camarillo Hospital Camarillo $1,654.77 $210.39 – $2,265.90
Petaluma Valley Hospital Petaluma $8,749.36 $167.70 – $276.12
Arroyo Grande Hospital Santa Maria $4,624.54 $210.39 – $1,292.62
French Hospital San Luis Obispo $4,235.56 $210.39 – $1,292.62
Mercy Hospitals – Bakersfield Bakersfield $5,791.31 $210.39 – $4,914.00
Bakersfield Memorial Hospital Bakersfield $5,728.87 $210.39 – $5,296.20
Queen of The Valley Medical Center Napa $8,749.36 $176.69 – $276.12
Providence St Joseph Hospital Eureka Eureka $4,332.07 $160.06 – $276.12

All California hospitals for this procedure →