ER Visit (level 4) at Mercy San Juan Medical Center
6501 Coyle Avenue, Carmichael, CA · CommonSpirit Health · · NPI 1972541498
$5,505.49
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.
$20,093.00
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.
$98.04 with United vs $18,428.00 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 →
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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 |
|---|---|---|---|
| United | Medicaid|< 21 | $98.04 | ↓ -98% |
| United | Medicaid|> 21 | $98.04 | ↓ -98% |
| Hill Physicians | Medicaid|All Plans | $107.84 | ↓ -98% |
| Hill Physicians | Commercial|All Plans | $118.21 | ↓ -98% |
| Molina | Medicaid|All Plans | $128.50 | ↓ -98% |
| BCBS - Anthem | Medicaid|All Plans | $186.28 | ↓ -97% |
| Health Net | Medicaid|All Plans | $224.51 | ↓ -96% |
| California Health & Wellness | Medicaid|All Plans | $224.51 | ↓ -96% |
| Partnership Health Plan | Medicaid|All Plans | $421.58 | ↓ -92% |
| WCMG | Commercial|All Plans | $469.26 | ↓ -91% |
| BCBS - Anthem | Medicare|All Other Plans | $527.67 | ↓ -90% |
| United | Medicare|All Plans | $559.57 | ↓ -90% |
| Humana | Commercial|All Plans | $559.57 | ↓ -90% |
| Aetna | Medicare|All Plans | $559.57 | ↓ -90% |
| Humana | Medicare|All Plans | $559.57 | ↓ -90% |
| Blue Shield CA | Medicare|PPO | $559.57 | ↓ -90% |
| Kaiser | Medicare|All Plans | $559.57 | ↓ -90% |
| Molina | Medicare|All Plans | $559.57 | ↓ -90% |
| Blue Shield CA | Medicare|HMO | $559.57 | ↓ -90% |
| BCBS - Anthem | Medicare|Imperial | $576.36 | ↓ -90% |
| BrightHealth | Commercial|All Plans | $615.53 | ↓ -89% |
| BlueShield | Medicare|Trauma | $699.46 | ↓ -87% |
| Prison Healthcare | Medicaid|All Plans | $839.36 | ↓ -85% |
| Western Health Advantage | Commercial|All Plans | $1,493.10 | ↓ -73% |
| Kaiser | Medicaid|All Plans | $1,749.06 | ↓ -68% |
| Blue Shield CA | Commercial|ACO Trio | $2,260.98 | ↓ -59% |
| Cigna | Commercial|LocalPlus | $2,815.56 | ↓ -49% |
| Blue Shield CA | Commercial|ACO Trio CalPers | $2,858.22 | ↓ -48% |
| Kaiser | Commercial|All Plans | $3,114.18 | ↓ -43% |
| First Health | Commercial|All Plans | $3,199.50 | ↓ -42% |
| Healthsmart | Commercial|All Plans | $3,199.50 | ↓ -42% |
| Blue Shield CA | Commercial|Exchange | $3,327.48 | ↓ -40% |
| Aetna | Commercial|HMO | $3,370.14 | ↓ -39% |
| Aetna | Commercial|All Other Plans | $3,370.14 | ↓ -39% |
| Aetna | Commercial|PPO | $3,370.14 | ↓ -39% |
| Sutter Health | Commercial|All Plans | $3,412.80 | ↓ -38% |
| MultiPlan | Commercial|All Plans | $3,540.78 | ↓ -36% |
| Blue Shield CA | Commercial|PPO Tandem | $3,540.78 | ↓ -36% |
| Cigna | Commercial|All Other Plans | $3,754.08 | ↓ -32% |
| Blue Shield CA | Commercial|PPO | $3,839.40 | ↓ -30% |
| Blue Shield CA | Commercial|HMO | $3,839.40 | ↓ -30% |
| Blue Shield CA | Commercial|CalPers | $3,924.72 | ↓ -29% |
| Health Net | Commercial|EPPO | $8,011.00 | ↑ +46% |
| BCBS - Anthem | Commercial|Connection EPO | $10,530.00 | ↑ +91% |
| United | Commercial|Non-Options PPO | $12,090.00 | ↑ +120% |
| BCBS - Anthem | Commercial|All Other Plans | $13,163.00 | ↑ +139% |
| United | Commercial|HMO | $13,567.00 | ↑ +146% |
| United | Commercial|Options PPO | $14,026.00 | ↑ +155% |
| United | Commercial|All Other Plans | $14,026.00 | ↑ +155% |
| Health Net | Commercial|FFS | $14,598.00 | ↑ +165% |
| BCBS - Anthem | Commercial|MCS | $18,428.00 | ↑ +235% |
Visitor-reported prices
Comments
ER Visit (level 4) at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| St. John's Camarillo Hospital | Camarillo | $1,112.96 | $148.33 – $1,735.94 |
| Banner Lassen Medical Center | Susanville | $2,826.36 | $85.16 – $1,742.12 |
| Petaluma Valley Hospital | Petaluma | $3,274.71 | $562.31 – $573.78 |
| Arroyo Grande Hospital | Santa Maria | $1,131.21 | $98.04 – $2,255.96 |
| Mark Twain Medical Center | San Andreas | $1,310.03 | $92.10 – $348.88 |
| French Hospital | San Luis Obispo | $992.55 | $98.04 – $2,299.08 |
| Mercy Hospitals – Bakersfield | Bakersfield | $1,184.98 | $98.04 – $2,619.08 |
| Bakersfield Memorial Hospital | Bakersfield | $1,172.20 | $98.04 – $2,619.08 |