General health panel at St. Bernardine Medical Center
2101 N Waterman Ave, San Bernardino, CA · CommonSpirit Health · · NPI 1689769911
$659.34
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.
$1,980.00
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.
$54.43 with United vs $1,683.00 with Blue Shield CA — 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 |
|---|---|---|---|
| United | Commercial|HMO | $54.43 | ↓ -92% |
| United | Commercial|All Other Plans | $54.43 | ↓ -92% |
| Cigna | Commercial|PPO | $118.14 | ↓ -82% |
| Cigna | Commercial|All Other Plans | $118.14 | ↓ -82% |
| Aetna | Commercial|Gatekeeper | $126.23 | ↓ -81% |
| Aetna | Commercial|Non-Gatekeeper | $149.13 | ↓ -77% |
| BCBS - Anthem | Commercial|Exchange | $292.44 | ↓ -56% |
| BCBS - Anthem | Commercial|Non-MCS PPO | $417.71 | ↓ -37% |
| BCBS - Anthem | Commercial|Non-MCS HMO | $417.71 | ↓ -37% |
| Blue Shield CA | Commercial|Exchange | $514.80 | ↓ -22% |
| Redlands | Commercial|All Plans | $574.20 | ↓ -13% |
| Kaiser | Commercial|All Plans | $594.00 | ↓ -10% |
| BCBS - Anthem | Commercial|MCS | $672.71 | ↑ +2% |
| Blue Shield CA | Commercial|All Other Plans | $772.20 | ↑ +17% |
| HPN | Medicare|Senior | $1,168.20 | ↑ +77% |
| HPN | Commercial|All Plans | $1,247.40 | ↑ +89% |
| First Health | Commercial|All Plans | $1,306.80 | ↑ +98% |
| MultiPlan | Commercial|All Plans | $1,584.00 | ↑ +140% |
| Healthsmart | Commercial|All Plans | $1,623.60 | ↑ +146% |
| Blue Shield CA | Medicare|BlueShield Promise | $1,683.00 | ↑ +155% |
Visitor-reported prices
Comments
General health panel at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Community Hospital San Bernardino | San Bernardino | $483.28 | $54.43 – $1,236.00 |
| Petaluma Valley Hospital | Petaluma | $276.93 | $94.56 – $245.00 |
| Arroyo Grande Hospital | Santa Maria | $801.65 | $54.43 – $1,835.54 |
| Mark Twain Medical Center | San Andreas | $362.31 | $140.74 – $533.12 |
| French Hospital | San Luis Obispo | $734.22 | $54.43 – $1,835.54 |
| Mercy Hospitals – Bakersfield | Bakersfield | $105.74 | $54.43 – $220.80 |
| Queen of The Valley Medical Center | Napa | $250.92 | $94.56 – $309.62 |
| Providence St Joseph Hospital Eureka | Eureka | $313.65 | $94.56 – $351.11 |