Observation per hour at Mercy San Juan Medical Center
6501 Coyle Avenue, Carmichael, CA · CommonSpirit Health · · NPI 1972541498
$101.66
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.
$371.00
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.
$38.00 with Blue Shield CA vs $13,917.00 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 |
|---|---|---|---|
| Blue Shield CA | Commercial|ACO Trio | $38.00 | ↓ -63% |
| WCMG | Commercial|All Plans | $40.81 | ↓ -60% |
| Blue Shield CA | Commercial|ACO Trio CalPers | $49.00 | ↓ -52% |
| Blue Shield CA | Commercial|PPO Tandem | $60.00 | ↓ -41% |
| Blue Shield CA | Commercial|Exchange | $64.00 | ↓ -37% |
| Blue Shield CA | Commercial|HMO | $70.00 | ↓ -31% |
| Blue Shield CA | Commercial|PPO | $70.00 | ↓ -31% |
| Blue Shield CA | Commercial|CalPers | $77.00 | ↓ -24% |
| Blue Shield CA | Medicare|HMO | $113.00 | ↑ +11% |
| BCBS - Anthem | Medicaid|All Plans | $115.00 | ↑ +13% |
| Western Health Advantage | Commercial|All Plans | $129.85 | ↑ +28% |
| Kaiser | Medicaid|All Plans | $152.11 | ↑ +50% |
| Kaiser | Commercial|All Plans | $200.34 | ↑ +97% |
| Cigna | Commercial|LocalPlus | $241.15 | ↑ +137% |
| BCBS - Anthem | Commercial|Connection EPO | $248.57 | ↑ +145% |
| Healthsmart | Commercial|All Plans | $278.25 | ↑ +174% |
| First Health | Commercial|All Plans | $278.25 | ↑ +174% |
| Sutter Health | Commercial|All Plans | $296.80 | ↑ +192% |
| MultiPlan | Commercial|All Plans | $307.93 | ↑ +203% |
| BCBS - Anthem | Commercial|All Other Plans | $311.64 | ↑ +207% |
| Cigna | Commercial|All Other Plans | $322.77 | ↑ +217% |
| BCBS - Anthem | Commercial|MCS | $371.00 | ↑ +265% |
| BrightHealth | Commercial|All Plans | $3,245.00 | ↑ +3092% |
| United | Commercial|Non-Options PPO | $11,097.00 | ↑ +10816% |
| United | Commercial|Options PPO | $12,963.00 | ↑ +12651% |
| United | Commercial|All Other Plans | $12,963.00 | ↑ +12651% |
| United | Commercial|HMO | $13,917.00 | ↑ +13590% |
Visitor-reported prices
Comments
Observation per hour at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| St. John's Camarillo Hospital | Camarillo | $328.07 | $34.56 – $3,227.50 |
| Banner Lassen Medical Center | Susanville | $66.74 | $44.28 – $104.76 |
| Petaluma Valley Hospital | Petaluma | $141.27 | not published |
| Arroyo Grande Hospital | Santa Maria | $198.60 | $63.00 – $257.00 |
| Mark Twain Medical Center | San Andreas | $168.50 | $65.46 – $247.94 |
| French Hospital | San Luis Obispo | $178.36 | $59.13 – $214.62 |
| Mercy Hospitals – Bakersfield | Bakersfield | $129.48 | $59.50 – $1,374.00 |
| Bakersfield Memorial Hospital | Bakersfield | $144.24 | $25.00 – $1,298.00 |