Kit ipg optimizer smart at Mercy Medical Center Merced
333 Mercy Ave., Merced, CA · CommonSpirit Health · · NPI 1518018191
$25,709.83
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.
$49,922.00
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.
$10,438.32 with Health Net vs $45,384.00 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 |
|---|---|---|---|
| Health Net | Medicaid|All Plans | $10,438.32 | ↓ -59% |
| BCBS - Anthem | Medicaid|> 21 | $11,346.00 | ↓ -56% |
| BCBS - Anthem | Medicaid|< 21 | $11,346.00 | ↓ -56% |
| Healthsmart | Commercial|All Plans | $20,422.80 | ↓ -21% |
| Central California Alliance for Health | Medicaid|All Plans | $24,961.20 | ↓ -3% |
| Health Net | Commercial|Care Product | $25,868.88 | ↑ +1% |
| United | Commercial|HMO | $27,684.24 | ↑ +8% |
| Cigna | Commercial|PPO | $29,499.60 | ↑ +15% |
| Western Growers | Commercial|All Plans | $29,499.60 | ↑ +15% |
| Cigna | Commercial|All Other Plans | $29,499.60 | ↑ +15% |
| Health Net | Commercial|FFS | $29,953.44 | ↑ +17% |
| Kaiser | Commercial|All Plans | $31,314.96 | ↑ +22% |
| United | Commercial|Non-Options PPO | $33,584.16 | ↑ +31% |
| BCBS - Anthem | Commercial|Exchange | $34,491.84 | ↑ +34% |
| First Health | Commercial|All Plans | $36,307.20 | ↑ +41% |
| United | Commercial|Options PPO | $36,307.20 | ↑ +41% |
| United | Commercial|All Other Plans | $37,214.88 | ↑ +45% |
| Blue Shield CA | Commercial|Exchange | $39,484.08 | ↑ +54% |
| Blue Shield CA | Commercial|All Other Plans | $39,937.92 | ↑ +55% |
| MultiPlan | Commercial|All Plans | $42,660.96 | ↑ +66% |
| Aetna | Commercial|All Other Plans | $43,568.64 | ↑ +69% |
| Aetna | Commercial|HMO | $43,568.64 | ↑ +69% |
| Aetna | Commercial|PPO | $43,568.64 | ↑ +69% |
| BCBS - Anthem | Commercial|All Other Plans | $45,384.00 | ↑ +77% |
| BCBS - Anthem | Commercial|MCS | $45,384.00 | ↑ +77% |
Visitor-reported prices
Comments
Kit ipg optimizer smart at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| St. John's Camarillo Hospital | Camarillo | $49,197.04 | $26,957.28 – $87,611.16 |
| Petaluma Valley Hospital | Petaluma | $79,825.20 | not published |
| Arroyo Grande Hospital | Santa Maria | $43,704.80 | $23,486.22 – $100,071.72 |
| French Hospital | San Luis Obispo | $40,028.69 | $19,401.66 – $100,071.72 |
| Mercy Hospitals – Bakersfield | Bakersfield | $46,302.66 | $31,201.25 – $112,324.50 |
| Bakersfield Memorial Hospital | Bakersfield | $45,803.44 | $28,365.00 – $110,056.20 |
| Queen of The Valley Medical Center | Napa | $79,825.20 | not published |
| Providence St Joseph Hospital Eureka | Eureka | $29,702.40 | not published |