Fern test at St. Bernardine Medical Center
2101 N Waterman Ave, San Bernardino, CA · CommonSpirit Health · · NPI 1689769911
$20.65
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.
$62.00
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.
$8.06 with Blue Shield CA vs $31.00 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 |
|---|---|---|---|
| Blue Shield CA | Commercial|Exchange | $8.06 | ↓ -61% |
| Kaiser | Medicaid|All Plans | $8.38 | ↓ -59% |
| Redlands | Commercial|All Plans | $8.99 | ↓ -56% |
| Kaiser | Commercial|All Plans | $9.30 | ↓ -55% |
| Humana | Medicare|All Plans | $9.74 | ↓ -53% |
| First Health | Medicare|All Plans | $9.74 | ↓ -53% |
| Molina | Medicare|All Plans | $9.74 | ↓ -53% |
| United | Medicare|All Plans | $9.74 | ↓ -53% |
| Health Net | Medicare|All Plans | $9.74 | ↓ -53% |
| Kaiser | Medicare|All Plans | $9.74 | ↓ -53% |
| Central Health Plan | Medicare|All Plans | $9.74 | ↓ -53% |
| BCBS - Anthem | Medicare|All Plans | $9.74 | ↓ -53% |
| Blue Shield CA | Medicare|All Other Plans | $9.74 | ↓ -53% |
| Scan Health Plan | Medicare|All Plans | $9.74 | ↓ -53% |
| Inland Empire Health Plan | Medicare|All Plans | $9.74 | ↓ -53% |
| Epic Health | Medicare|All Plans | $9.74 | ↓ -53% |
| Patton | Medicare|All Plans | $9.74 | ↓ -53% |
| IHCG | Medicaid|All Plans | $9.74 | ↓ -53% |
| IHCG | Medicare|All Plans | $9.74 | ↓ -53% |
| United | Commercial|All Other Plans | $11.69 | ↓ -43% |
| United | Commercial|HMO | $11.69 | ↓ -43% |
| Blue Shield CA | Commercial|All Other Plans | $12.09 | ↓ -41% |
| DHMG | Commercial|All Plans | $14.12 | ↓ -32% |
| EPIC Health | Commercial|All Plans | $16.56 | ↓ -20% |
| HPN | Medicare|Senior | $18.29 | ↓ -11% |
| BCBS - Anthem | Commercial|Exchange | $18.29 | ↓ -11% |
| Naphcare | Commercial|All Plans | $18.99 | ↓ -8% |
| HPN | Commercial|All Plans | $19.53 | ↓ -5% |
| First Health | Commercial|All Plans | $20.46 | ↓ -1% |
| MultiPlan | Commercial|All Plans | $24.80 | ↑ +20% |
| Healthsmart | Commercial|All Plans | $25.42 | ↑ +23% |
| BCBS - Anthem | Commercial|Non-MCS HMO | $26.04 | ↑ +26% |
| BCBS - Anthem | Commercial|Non-MCS PPO | $26.04 | ↑ +26% |
| Blue Shield CA | Medicare|BlueShield Promise | $26.35 | ↑ +28% |
| Cigna | Commercial|All Other Plans | $27.93 | ↑ +35% |
| Cigna | Commercial|PPO | $27.93 | ↑ +35% |
| BCBS - Anthem | Commercial|MCS | $31.00 | ↑ +50% |
Visitor-reported prices
Comments
Fern test at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Community Hospital San Bernardino | San Bernardino | $55.92 | $7.40 – $143.00 |
| Banner Lassen Medical Center | Susanville | $41.32 | $1.95 – $64.02 |
| Mercy Hospitals – Bakersfield | Bakersfield | $47.86 | $9.74 – $86.40 |
| Bakersfield Memorial Hospital | Bakersfield | $47.35 | $9.74 – $85.32 |
| St. Joseph's Behavioral Health Center | Stockton | $65.67 | $9.74 – $92.00 |
| St. Joseph's Medical Center Stockton | Stockton | $76.74 | $8.28 – $214.02 |
| Mercy Medical Center Merced | Merced | $67.98 | $9.74 – $124.08 |
| Sierra Nevada Memorial Hospital | Grass Valley | $70.85 | $9.74 – $124.46 |