Observation direct referral from physician office for admission at Mercy Hospital of Folsom
1650 Creekside Dr, Folsom, CA · CommonSpirit Health · · NPI 1356389878
$411.96
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.
$1,059.00
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 $14,753.00 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 | ↓ -91% |
| Blue Shield CA | Commercial|ACO Trio CalPers | $49.00 | ↓ -88% |
| Blue Shield CA | Commercial|PPO Tandem | $60.00 | ↓ -85% |
| Blue Shield CA | Commercial|Exchange | $64.00 | ↓ -84% |
| Blue Shield CA | Commercial|All Other Plans | $66.00 | ↓ -84% |
| Blue Shield CA | Commercial|HMO | $66.00 | ↓ -84% |
| BCBS - Anthem | Medicaid|All Plans | $115.00 | ↓ -72% |
| WCMG | Commercial|All Plans | $116.49 | ↓ -72% |
| Blue Shield CA | Commercial|CalPers | $190.00 | ↓ -54% |
| Western Health Advantage | Commercial|All Plans | $370.65 | ↓ -10% |
| Kaiser | Medicaid|All Plans | $434.19 | ↑ +5% |
| BCBS - Anthem | Commercial|Connection EPO | $656.58 | ↑ +59% |
| Cigna | Commercial|LocalPlus | $688.35 | ↑ +67% |
| BCBS - Anthem | Medicare|All Other Plans | $759.75 | ↑ +84% |
| Healthsmart | Commercial|All Plans | $794.25 | ↑ +93% |
| First Health | Commercial|All Plans | $794.25 | ↑ +93% |
| Humana | Commercial|All Plans | $805.67 | ↑ +96% |
| United | Medicare|All Plans | $805.67 | ↑ +96% |
| Kaiser | Medicare|All Plans | $805.67 | ↑ +96% |
| Blue Shield CA | Medicare|HMO | $805.67 | ↑ +96% |
| Blue Shield CA | Medicare|PPO | $805.67 | ↑ +96% |
| Aetna | Medicare|All Plans | $805.67 | ↑ +96% |
| BCBS - Anthem | Commercial|All Other Plans | $815.43 | ↑ +98% |
| BCBS - Anthem | Medicare|Imperial | $829.84 | ↑ +101% |
| Kaiser | Commercial|All Plans | $836.61 | ↑ +103% |
| Sutter Health | Commercial|All Plans | $847.20 | ↑ +106% |
| MultiPlan | Commercial|All Plans | $868.38 | ↑ +111% |
| Cigna | Commercial|All Other Plans | $921.33 | ↑ +124% |
| BCBS - Anthem | Commercial|MCS | $1,059.00 | ↑ +157% |
| United | Commercial|HMO | $7,558.00 | ↑ +1735% |
| United | Commercial|Non-Options PPO | $12,505.00 | ↑ +2935% |
| United | Commercial|All Other Plans | $14,753.00 | ↑ +3481% |
Visitor-reported prices
Comments
Observation direct referral from physician office for admission at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| St. John's Camarillo Hospital | Camarillo | $321.93 | $63.00 – $3,227.50 |
| Banner Lassen Medical Center | Susanville | $738.37 | $122.62 – $634.38 |
| Petaluma Valley Hospital | Petaluma | $1,117.92 | $802.54 – $818.92 |
| Arroyo Grande Hospital | Santa Maria | $313.30 | $63.00 – $732.00 |
| Mark Twain Medical Center | San Andreas | $602.73 | $234.13 – $886.90 |
| French Hospital | San Luis Obispo | $286.95 | $63.00 – $677.00 |
| Mercy Hospitals – Bakersfield | Bakersfield | $276.40 | $63.00 – $745.00 |
| Bakersfield Memorial Hospital | Bakersfield | $273.42 | $25.00 – $677.00 |