Psychotherapy patient individual therapy 45 minutes at Mercy San Juan Medical Center
6501 Coyle Avenue, Carmichael, CA · CommonSpirit Health · · NPI 1972541498
$164.95
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.
$602.00
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.
$62.48 with WCMG vs $568.00 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 |
|---|---|---|---|
| WCMG | Commercial|All Plans | $62.48 | ↓ -62% |
| United | Medicaid|> 21 | $77.07 | ↓ -53% |
| United | Medicaid|< 21 | $77.07 | ↓ -53% |
| Hill Physicians | Medicaid|All Plans | $93.70 | ↓ -43% |
| Hill Physicians | Commercial|All Plans | $94.44 | ↓ -43% |
| Molina | Medicaid|All Plans | $126.26 | ↓ -23% |
| Health Net | Medicaid|All Plans | $195.06 | ↑ +18% |
| California Health & Wellness | Medicaid|All Plans | $195.06 | ↑ +18% |
| Western Health Advantage | Commercial|All Plans | $198.80 | ↑ +21% |
| BCBS - Anthem | Medicare|All Other Plans | $199.11 | ↑ +21% |
| United | Medicare|All Plans | $211.14 | ↑ +28% |
| Blue Shield CA | Medicare|HMO | $211.14 | ↑ +28% |
| Humana | Commercial|All Plans | $211.14 | ↑ +28% |
| Kaiser | Medicare|All Plans | $211.14 | ↑ +28% |
| Blue Shield CA | Medicare|PPO | $211.14 | ↑ +28% |
| Molina | Medicare|All Plans | $211.14 | ↑ +28% |
| Aetna | Medicare|All Plans | $211.14 | ↑ +28% |
| Humana | Medicare|All Plans | $211.14 | ↑ +28% |
| BCBS - Anthem | Medicaid|All Plans | $214.64 | ↑ +30% |
| BCBS - Anthem | Medicare|Imperial | $217.47 | ↑ +32% |
| BrightHealth | Commercial|All Plans | $232.25 | ↑ +41% |
| Kaiser | Medicaid|All Plans | $232.88 | ↑ +41% |
| BlueShield | Medicare|Trauma | $263.92 | ↑ +60% |
| Partnership Health Plan | Medicaid|All Plans | $288.79 | ↑ +75% |
| Kaiser | Commercial|All Plans | $306.72 | ↑ +86% |
| Prison Healthcare | Medicaid|All Plans | $316.71 | ↑ +92% |
| Healthsmart | Commercial|All Plans | $426.00 | ↑ +158% |
| First Health | Commercial|All Plans | $426.00 | ↑ +158% |
| Sutter Health | Commercial|All Plans | $454.40 | ↑ +175% |
| MultiPlan | Commercial|All Plans | $471.44 | ↑ +186% |
| United | Commercial|Non-Options PPO | $568.00 | ↑ +244% |
| United | Commercial|HMO | $568.00 | ↑ +244% |
| United | Commercial|All Other Plans | $568.00 | ↑ +244% |
| United | Commercial|Options PPO | $568.00 | ↑ +244% |
Visitor-reported prices
Comments
Psychotherapy patient individual therapy 45 minutes at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Petaluma Valley Hospital | Petaluma | $489.60 | not published |
| Mark Twain Medical Center | San Andreas | $220.45 | $77.07 – $324.38 |
| St. Joseph's Behavioral Health Center | Stockton | $111.35 | $19.50 – $660.00 |
| Healdsburg Hospital | Healdsburg | $344.25 | $239.15 – $239.15 |
| Redwood Memorial Hospital | Fortuna | $253.47 | not published |
| Santa Rosa Memorial Hospital | Santa Rosa | $512.55 | $246.98 – $252.02 |
| Providence Mission Hospital - Mission Viejo | Mission Viejo | $212.64 | $194.05 – $422.33 |
| Mercy Medical Center Merced | Merced | $215.27 | $77.07 – $418.00 |