Established Patient Office Visit (level 3) at St. Bernardine Medical Center
2101 N Waterman Ave, San Bernardino, CA · CommonSpirit Health · · NPI 1689769911
$261.74
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.
$786.00
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.
$42.76 with LA Care vs $662.00 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 |
|---|---|---|---|
| LA Care | Medicaid|> 21 | $42.76 | ↓ -84% |
| Partnership Health Plan | Medicaid|< 21 | $42.76 | ↓ -84% |
| LA Care | Medicaid|< 21 | $42.76 | ↓ -84% |
| Partnership Health Plan | Medicaid|> 21 | $42.76 | ↓ -84% |
| BCBS - Anthem | Medicaid|All Plans | $51.65 | ↓ -80% |
| Molina | Medicaid|> 21 | $60.29 | ↓ -77% |
| Molina | Medicaid|< 21 | $60.29 | ↓ -77% |
| HPN | Medicaid|All Plans | $62.73 | ↓ -76% |
| Health Net | Medicaid|All Plans | $64.69 | ↓ -75% |
| Inland Empire Health Plan | Medicaid|All Plans | $68.85 | ↓ -74% |
| IHCG | Medicare|All Plans | $100.00 | ↓ -62% |
| Blue Shield CA | Commercial|Exchange | $119.00 | ↓ -55% |
| HPN | Medicare|Senior | $169.00 | ↓ -35% |
| Blue Shield CA | Commercial|All Other Plans | $188.00 | ↓ -28% |
| Redlands | Commercial|All Plans | $191.98 | ↓ -27% |
| Kaiser | Commercial|All Plans | $198.60 | ↓ -24% |
| Care 1st | Medicaid|All Plans | $213.80 | ↓ -18% |
| HPN | Commercial|All Plans | $217.00 | ↓ -17% |
| Cigna | Commercial|All Other Plans | $227.00 | ↓ -13% |
| Cigna | Commercial|PPO | $227.00 | ↓ -13% |
| PrimeCare | Medicare|All Plans | $264.00 | ↑ +1% |
| United | Commercial|All Other Plans | $304.52 | ↑ +16% |
| BCBS - Anthem | Commercial|Exchange | $324.38 | ↑ +24% |
| PrimeCare | Commercial|All Plans | $382.00 | ↑ +46% |
| First Health | Commercial|All Plans | $436.92 | ↑ +67% |
| BCBS - Anthem | Commercial|Non-MCS PPO | $463.40 | ↑ +77% |
| BCBS - Anthem | Commercial|Non-MCS HMO | $463.40 | ↑ +77% |
| MultiPlan | Commercial|All Plans | $529.60 | ↑ +102% |
| Healthsmart | Commercial|All Plans | $542.84 | ↑ +107% |
| Blue Shield CA | Medicare|BlueShield Promise | $562.70 | ↑ +115% |
| United | Commercial|HMO | $576.00 | ↑ +120% |
| BCBS - Anthem | Commercial|MCS | $662.00 | ↑ +153% |
Visitor-reported prices
Comments
Established Patient Office Visit (level 3) at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| St. John's Camarillo Hospital | Camarillo | $642.42 | $59.21 – $226.00 |
| Banner Lassen Medical Center | Susanville | $1,479.42 | $39.60 – $354.05 |
| Arroyo Grande Hospital | Santa Maria | $150.23 | $34.43 – $351.00 |
| Mark Twain Medical Center | San Andreas | $138.53 | $36.22 – $137.20 |
| French Hospital | San Luis Obispo | $149.36 | $34.43 – $343.98 |
| Bakersfield Memorial Hospital | Bakersfield | $107.54 | $42.76 – $232.00 |
| Healdsburg Hospital | Healdsburg | $302.43 | not published |
| Redwood Memorial Hospital | Fortuna | $161.16 | not published |