Cholesterol (Lipid) Test at St. Bernardine Medical Center
2101 N Waterman Ave, San Bernardino, CA · CommonSpirit Health · · NPI 1689769911
$316.35
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.
$950.00
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.
$11.52 with Kaiser vs $124.00 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 |
|---|---|---|---|
| Kaiser | Medicaid|All Plans | $11.52 | ↓ -96% |
| Humana | Medicare|All Plans | $13.39 | ↓ -96% |
| IHCG | Medicare|All Plans | $13.39 | ↓ -96% |
| IHCG | Medicaid|All Plans | $13.39 | ↓ -96% |
| Blue Shield CA | Medicare|All Other Plans | $13.39 | ↓ -96% |
| Scan Health Plan | Medicare|All Plans | $13.39 | ↓ -96% |
| BCBS - Anthem | Medicare|All Plans | $13.39 | ↓ -96% |
| First Health | Medicare|All Plans | $13.39 | ↓ -96% |
| Molina | Medicare|All Plans | $13.39 | ↓ -96% |
| Central Health Plan | Medicare|All Plans | $13.39 | ↓ -96% |
| Kaiser | Medicare|All Plans | $13.39 | ↓ -96% |
| United | Medicare|All Plans | $13.39 | ↓ -96% |
| Epic Health | Medicare|All Plans | $13.39 | ↓ -96% |
| Patton | Medicare|All Plans | $13.39 | ↓ -96% |
| Inland Empire Health Plan | Medicare|All Plans | $13.39 | ↓ -96% |
| Health Net | Medicare|All Plans | $13.39 | ↓ -96% |
| United | Commercial|HMO | $16.07 | ↓ -95% |
| United | Commercial|All Other Plans | $16.07 | ↓ -95% |
| Partnership Health Plan | Medicaid|> 21 | $16.55 | ↓ -95% |
| LA Care | Medicaid|> 21 | $16.55 | ↓ -95% |
| LA Care | Medicaid|< 21 | $16.55 | ↓ -95% |
| Partnership Health Plan | Medicaid|< 21 | $16.55 | ↓ -95% |
| Redlands | Commercial|All Plans | $19.42 | ↓ -94% |
| DHMG | Commercial|All Plans | $19.42 | ↓ -94% |
| BCBS - Anthem | Medicaid|All Plans | $20.82 | ↓ -93% |
| EPIC Health | Commercial|All Plans | $22.76 | ↓ -93% |
| Molina | Medicaid|> 21 | $23.34 | ↓ -93% |
| Molina | Medicaid|< 21 | $23.34 | ↓ -93% |
| HPN | Medicaid|All Plans | $24.28 | ↓ -92% |
| Health Net | Medicaid|All Plans | $25.04 | ↓ -92% |
| Naphcare | Commercial|All Plans | $26.11 | ↓ -92% |
| Blue Shield CA | Commercial|Exchange | $32.24 | ↓ -90% |
| Inland Empire Health Plan | Medicaid|All Plans | $33.11 | ↓ -90% |
| Kaiser | Commercial|All Plans | $37.20 | ↓ -88% |
| Cigna | Commercial|PPO | $38.39 | ↓ -88% |
| Cigna | Commercial|All Other Plans | $38.39 | ↓ -88% |
| Blue Shield CA | Commercial|All Other Plans | $48.36 | ↓ -85% |
| Aetna | Commercial|Gatekeeper | $54.58 | ↓ -83% |
| Aetna | Commercial|Non-Gatekeeper | $64.48 | ↓ -80% |
| BCBS - Anthem | Commercial|Exchange | $73.16 | ↓ -77% |
| HPN | Medicare|Senior | $73.16 | ↓ -77% |
| HPN | Commercial|All Plans | $78.12 | ↓ -75% |
| First Health | Commercial|All Plans | $81.84 | ↓ -74% |
| Care 1st | Medicaid|All Plans | $82.75 | ↓ -74% |
| MultiPlan | Commercial|All Plans | $99.20 | ↓ -69% |
| Healthsmart | Commercial|All Plans | $101.68 | ↓ -68% |
| BCBS - Anthem | Commercial|Non-MCS HMO | $104.16 | ↓ -67% |
| BCBS - Anthem | Commercial|Non-MCS PPO | $104.16 | ↓ -67% |
| Blue Shield CA | Medicare|BlueShield Promise | $105.40 | ↓ -67% |
| BCBS - Anthem | Commercial|MCS | $124.00 | ↓ -61% |
Visitor-reported prices
Comments
Cholesterol (Lipid) Test at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Community Hospital San Bernardino | San Bernardino | $433.62 | $13.39 – $1,109.00 |
| St. John's Camarillo Hospital | Camarillo | $131.40 | $13.39 – $41.78 |
| Banner Lassen Medical Center | Susanville | $63.85 | $2.68 – $37.83 |
| Petaluma Valley Hospital | Petaluma | $255.00 | $13.12 – $109.31 |
| Arroyo Grande Hospital | Santa Maria | $415.16 | $5.82 – $34.49 |
| Mark Twain Medical Center | San Andreas | $139.20 | $7.63 – $14.08 |
| French Hospital | San Luis Obispo | $380.24 | $3.81 – $40.54 |
| Mercy Hospitals – Bakersfield | Bakersfield | $317.58 | $5.30 – $38.46 |