Surgical pathology level 6 gross & microscopic examination at Queen of The Valley Medical Center
1000 Trancas St, Napa, CA · Providence · · NPI 1013080084
$1,407.60
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.
$2,760.00
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.
$282.25 with Blue Cross vs $1,531.02 with Aetna — 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 Cross | Epo Exchange | $282.25 | ↓ -80% |
| Blue Cross | Nonmcs All Commercial Plans | $338.44 | ↓ -76% |
| Blue Cross | Mcs Ppo | $406.12 | ↓ -71% |
| Aetna | Medicare Managed Care Plan | $1,143.95 | ↓ -19% |
| Unitedhealthcare | All Commercial Plans | $1,256.40 | ↓ -11% |
| Unitedhealthcare | Select/Navigate Hmo | $1,256.40 | ↓ -11% |
| Aetna | All Commercial Plans | $1,531.02 | ↑ +9% |
Visitor-reported prices
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Surgical pathology level 6 gross & microscopic examination at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| St. John's Camarillo Hospital | Camarillo | $391.58 | $241.38 – $1,788.00 |
| Petaluma Valley Hospital | Petaluma | $1,276.02 | $223.35 – $1,256.40 |
| Arroyo Grande Hospital | Santa Maria | $132.85 | $155.20 – $765.05 |
| Mark Twain Medical Center | San Andreas | $606.73 | $79.03 – $299.38 |
| French Hospital | San Luis Obispo | $121.68 | $83.81 – $899.38 |
| Mercy Hospitals – Bakersfield | Bakersfield | $306.08 | $204.27 – $853.25 |
| Bakersfield Memorial Hospital | Bakersfield | $302.78 | $204.27 – $853.25 |
| Providence St Joseph Hospital Eureka | Eureka | $797.64 | $320.08 – $1,256.40 |