Compatibility test incubate at St. Bernardine Medical Center
2101 N Waterman Ave, San Bernardino, CA · CommonSpirit Health · · NPI 1689769911
$73.60
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.
$221.00
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.
$57.46 with Care 1st vs $424.57 with Naphcare — 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 |
|---|---|---|---|
| Care 1st | Medicaid|All Plans | $57.46 | ↓ -22% |
| Blue Shield CA | Commercial|Exchange | $57.46 | ↓ -22% |
| Redlands | Commercial|All Plans | $64.09 | ↓ -13% |
| Aetna | Commercial|Gatekeeper | $65.76 | ↓ -11% |
| Kaiser | Commercial|All Plans | $66.30 | ↓ -10% |
| BCBS - Anthem | Medicaid|All Plans | $75.11 | ↑ +2% |
| Aetna | Commercial|Non-Gatekeeper | $77.69 | ↑ +6% |
| Blue Shield CA | Commercial|All Other Plans | $86.19 | ↑ +17% |
| Cigna | Commercial|All Other Plans | $91.30 | ↑ +24% |
| Cigna | Commercial|PPO | $91.30 | ↑ +24% |
| BCBS - Anthem | Commercial|Exchange | $130.39 | ↑ +77% |
| HPN | Medicare|Senior | $130.39 | ↑ +77% |
| IHCG | Medicaid|All Plans | $132.73 | ↑ +80% |
| IHCG | Medicare|All Plans | $133.11 | ↑ +81% |
| HPN | Commercial|All Plans | $139.23 | ↑ +89% |
| First Health | Commercial|All Plans | $145.86 | ↑ +98% |
| MultiPlan | Commercial|All Plans | $176.80 | ↑ +140% |
| United | Commercial|All Other Plans | $178.99 | ↑ +143% |
| United | Commercial|HMO | $178.99 | ↑ +143% |
| Healthsmart | Commercial|All Plans | $181.22 | ↑ +146% |
| BCBS - Anthem | Commercial|Non-MCS PPO | $185.64 | ↑ +152% |
| BCBS - Anthem | Commercial|Non-MCS HMO | $185.64 | ↑ +152% |
| Kaiser | Medicaid|All Plans | $187.25 | ↑ +154% |
| Blue Shield CA | Medicare|BlueShield Promise | $187.85 | ↑ +155% |
| Kaiser | Medicare|All Plans | $217.73 | ↑ +196% |
| BCBS - Anthem | Medicare|All Plans | $217.73 | ↑ +196% |
| Humana | Medicare|All Plans | $217.73 | ↑ +196% |
| Patton | Medicare|All Plans | $217.73 | ↑ +196% |
| Molina | Medicare|All Plans | $217.73 | ↑ +196% |
| First Health | Medicare|All Plans | $217.73 | ↑ +196% |
| Central Health Plan | Medicare|All Plans | $217.73 | ↑ +196% |
| Blue Shield CA | Medicare|All Other Plans | $217.73 | ↑ +196% |
| Scan Health Plan | Medicare|All Plans | $217.73 | ↑ +196% |
| Health Net | Medicare|All Plans | $217.73 | ↑ +196% |
| United | Medicare|All Plans | $217.73 | ↑ +196% |
| Inland Empire Health Plan | Medicare|All Plans | $217.73 | ↑ +196% |
| Epic Health | Medicare|All Plans | $217.73 | ↑ +196% |
| BCBS - Anthem | Commercial|MCS | $221.00 | ↑ +200% |
| DHMG | Commercial|All Plans | $315.71 | ↑ +329% |
| EPIC Health | Commercial|All Plans | $370.14 | ↑ +403% |
| Naphcare | Commercial|All Plans | $424.57 | ↑ +477% |
Visitor-reported prices
Comments
Compatibility test incubate at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Community Hospital San Bernardino | San Bernardino | $87.98 | $37.09 – $424.57 |
| St. John's Camarillo Hospital | Camarillo | $15.33 | $9.45 – $84.46 |
| Mercy Hospitals – Bakersfield | Bakersfield | $63.45 | $83.00 – $166.00 |
| Bakersfield Memorial Hospital | Bakersfield | $62.76 | $66.09 – $166.00 |
| St. Joseph's Behavioral Health Center | Stockton | $86.80 | $15.20 – $121.60 |
| St. Joseph's Medical Center Stockton | Stockton | $44.99 | $32.13 – $153.00 |
| Mercy Medical Center Merced | Merced | $84.98 | $47.85 – $181.50 |
| Providence Cedars-Sinai Tarzana Medical Center | Tarzana | $155.40 | $1.60 – $405.38 |