Echo stress at Mercy San Juan Medical Center
6501 Coyle Avenue, Carmichael, CA · CommonSpirit Health · · NPI 1972541498
$1,197.93
Cash price 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.
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What you pay up front if you don't use insurance.
$4,372.00
Gross charge 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.
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The hospital's undiscounted list price — almost no one pays this.
$128.62 with Hill Physicians vs $16,950.00 with United — 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 →
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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 ?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 ?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 | $128.62 | ↓ -89% |
| United | Medicaid|> 21 | $137.87 | ↓ -88% |
| United | Medicaid|< 21 | $137.87 | ↓ -88% |
| Hill Physicians | Medicaid|All Plans | $151.66 | ↓ -87% |
| Molina | Medicaid|All Plans | $180.71 | ↓ -85% |
| BCBS - Anthem | Medicaid|All Plans | $261.95 | ↓ -78% |
| California Health & Wellness | Medicaid|All Plans | $315.72 | ↓ -74% |
| Health Net | Medicaid|All Plans | $315.72 | ↓ -74% |
| WCMG | Commercial|All Plans | $480.92 | ↓ -60% |
| Partnership Health Plan | Medicaid|All Plans | $592.86 | ↓ -51% |
| BCBS - Anthem | Medicare|All Other Plans | $679.45 | ↓ -43% |
| Humana | Medicare|All Plans | $720.52 | ↓ -40% |
| Kaiser | Medicare|All Plans | $720.52 | ↓ -40% |
| Blue Shield CA | Medicare|PPO | $720.52 | ↓ -40% |
| Blue Shield CA | Medicare|HMO | $720.52 | ↓ -40% |
| Molina | Medicare|All Plans | $720.52 | ↓ -40% |
| United | Medicare|All Plans | $720.52 | ↓ -40% |
| Humana | Commercial|All Plans | $720.52 | ↓ -40% |
| Aetna | Medicare|All Plans | $720.52 | ↓ -40% |
| BCBS - Anthem | Medicare|Imperial | $742.14 | ↓ -38% |
| BrightHealth | Commercial|All Plans | $792.57 | ↓ -34% |
| BlueShield | Medicare|Trauma | $900.65 | ↓ -25% |
| Prison Healthcare | Medicaid|All Plans | $1,080.78 | ↓ -10% |
| BCBS - Anthem | Commercial|Connection EPO | $1,093.37 | ↓ -9% |
| BCBS - Anthem | Commercial|All Other Plans | $1,366.26 | ↑ +14% |
| Western Health Advantage | Commercial|All Plans | $1,530.20 | ↑ +28% |
| Kaiser | Medicaid|All Plans | $1,792.52 | ↑ +50% |
| BCBS - Anthem | Commercial|MCS | $1,912.94 | ↑ +60% |
| Kaiser | Commercial|All Plans | $2,360.88 | ↑ +97% |
| Healthsmart | Commercial|All Plans | $3,279.00 | ↑ +174% |
| First Health | Commercial|All Plans | $3,279.00 | ↑ +174% |
| Sutter Health | Commercial|All Plans | $3,497.60 | ↑ +192% |
| MultiPlan | Commercial|All Plans | $3,628.76 | ↑ +203% |
| Health Net | Commercial|EPPO | $3,898.00 | ↑ +225% |
| United | Commercial|HMO | $4,372.00 | ↑ +265% |
| United | Commercial|Non-Options PPO | $4,372.00 | ↑ +265% |
| Health Net | Commercial|FFS | $7,070.00 | ↑ +490% |
| United | Commercial|All Other Plans | $16,950.00 | ↑ +1315% |
| United | Commercial|Options PPO | $16,950.00 | ↑ +1315% |
Visitor-reported prices
Comments
Echo stress at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| St. John's Camarillo Hospital | Camarillo | $1,465.55 | $208.58 – $2,609.88 |
| Banner Lassen Medical Center | Susanville | $739.27 | $59.86 – $158.60 |
| Arroyo Grande Hospital | Santa Maria | $1,081.56 | $137.87 – $2,476.46 |
| French Hospital | San Luis Obispo | $990.59 | $137.87 – $2,476.46 |
| Mercy Hospitals – Bakersfield | Bakersfield | $761.67 | $137.87 – $1,642.40 |
| Bakersfield Memorial Hospital | Bakersfield | $1,608.20 | $137.87 – $1,621.87 |
| Queen of The Valley Medical Center | Napa | $8,183.46 | $640.28 – $3,331.00 |
| Providence St Joseph Hospital Eureka | Eureka | $971.04 | $702.78 – $3,331.00 |