MRI chest without & w/contrast at Mercy San Juan Medical Center
6501 Coyle Avenue, Carmichael, CA · CommonSpirit Health · · NPI 1972541498
$2,030.34
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.
$7,410.00
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.
$442.55 with BCBS - Anthem vs $7,195.00 with Cigna — 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 |
|---|---|---|---|
| BCBS - Anthem | Medicare|All Other Plans | $442.55 | ↓ -78% |
| Humana | Medicare|All Plans | $469.30 | ↓ -77% |
| Humana | Commercial|All Plans | $469.30 | ↓ -77% |
| Blue Shield CA | Medicare|PPO | $469.30 | ↓ -77% |
| Blue Shield CA | Medicare|HMO | $469.30 | ↓ -77% |
| Aetna | Medicare|All Plans | $469.30 | ↓ -77% |
| United | Medicare|All Plans | $469.30 | ↓ -77% |
| Kaiser | Medicare|All Plans | $469.30 | ↓ -77% |
| Molina | Medicare|All Plans | $469.30 | ↓ -77% |
| United | Medicaid|> 21 | $472.42 | ↓ -77% |
| United | Medicaid|< 21 | $472.42 | ↓ -77% |
| BCBS - Anthem | Medicare|Imperial | $483.38 | ↓ -76% |
| BrightHealth | Commercial|All Plans | $516.23 | ↓ -75% |
| Hill Physicians | Medicaid|All Plans | $519.66 | ↓ -74% |
| BlueShield | Medicare|Trauma | $586.63 | ↓ -71% |
| Prison Healthcare | Medicaid|All Plans | $703.95 | ↓ -65% |
| WCMG | Commercial|All Plans | $815.10 | ↓ -60% |
| United | Commercial|All Other Plans | $828.27 | ↓ -59% |
| United | Commercial|Options PPO | $828.27 | ↓ -59% |
| United | Commercial|Non-Options PPO | $828.27 | ↓ -59% |
| United | Commercial|HMO | $828.27 | ↓ -59% |
| Molina | Medicaid|All Plans | $888.15 | ↓ -56% |
| BCBS - Anthem | Medicaid|All Plans | $897.60 | ↓ -56% |
| Health Net | Medicaid|All Plans | $1,081.84 | ↓ -47% |
| California Health & Wellness | Medicaid|All Plans | $1,081.84 | ↓ -47% |
| Aetna | Commercial|All Other Plans | $1,263.96 | ↓ -38% |
| Aetna | Commercial|HMO | $1,263.96 | ↓ -38% |
| Aetna | Commercial|PPO | $1,263.96 | ↓ -38% |
| Partnership Health Plan | Medicaid|All Plans | $2,031.41 | ↑ +0% |
| BCBS - Anthem | Commercial|Connection EPO | $2,506.00 | ↑ +23% |
| Western Health Advantage | Commercial|All Plans | $2,593.50 | ↑ +28% |
| Kaiser | Medicaid|All Plans | $3,038.10 | ↑ +50% |
| BCBS - Anthem | Commercial|All Other Plans | $3,133.00 | ↑ +54% |
| Kaiser | Commercial|All Plans | $4,001.40 | ↑ +97% |
| BCBS - Anthem | Commercial|MCS | $4,386.00 | ↑ +116% |
| Cigna | Commercial|LocalPlus | $5,397.00 | ↑ +166% |
| First Health | Commercial|All Plans | $5,557.50 | ↑ +174% |
| Healthsmart | Commercial|All Plans | $5,557.50 | ↑ +174% |
| Sutter Health | Commercial|All Plans | $5,928.00 | ↑ +192% |
| MultiPlan | Commercial|All Plans | $6,150.30 | ↑ +203% |
| Cigna | Commercial|All Other Plans | $7,195.00 | ↑ +254% |
Visitor-reported prices
Comments
MRI chest without & w/contrast at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| St. John's Camarillo Hospital | Camarillo | $1,777.41 | $453.77 – $3,165.24 |
| Banner Lassen Medical Center | Susanville | $2,243.46 | $71.43 – $3,131.16 |
| Arroyo Grande Hospital | Santa Maria | $3,062.77 | $453.77 – $5,836.88 |
| Mark Twain Medical Center | San Andreas | $10,625.37 | $472.42 – $3,932.74 |
| French Hospital | San Luis Obispo | $2,366.90 | $453.77 – $2,111.00 |
| Mercy Hospitals – Bakersfield | Bakersfield | $1,472.13 | $453.77 – $3,174.40 |
| Bakersfield Memorial Hospital | Bakersfield | $1,456.26 | $453.77 – $3,134.72 |
| Queen of The Valley Medical Center | Napa | $12,829.05 | $495.35 – $7,340.80 |