Kit ipg optimizer smart at St. Bernardine Medical Center
2101 N Waterman Ave, San Bernardino, CA · CommonSpirit Health · · NPI 1689769911
$43,538.09
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.
?
What you pay up front if you don't use insurance.
$130,745.00
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.
?
The hospital's undiscounted list price — almost no one pays this.
$23,772.00 with Redlands vs $101,031.00 with Blue Shield CA — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 |
|---|---|---|---|
| Redlands | Commercial|All Plans | $23,772.00 | ↓ -45% |
| Kaiser | Medicaid|All Plans | $23,772.00 | ↓ -45% |
| PrimeCare | Commercial|All Plans | $26,149.20 | ↓ -40% |
| PrimeCare | Medicare|All Plans | $26,149.20 | ↓ -40% |
| Molina | Medicaid|< 21 | $27,337.80 | ↓ -37% |
| Molina | Medicaid|> 21 | $27,337.80 | ↓ -37% |
| BCBS - Anthem | Medicaid|All Plans | $29,715.00 | ↓ -32% |
| Care 1st | Medicaid|All Plans | $30,903.60 | ↓ -29% |
| Kaiser | Commercial|All Plans | $35,658.00 | ↓ -18% |
| BCBS - Anthem | Commercial|Exchange | $35,658.00 | ↓ -18% |
| Blue Shield CA | Commercial|Exchange | $40,412.40 | ↓ -7% |
| Aetna | Commercial|Gatekeeper | $45,166.80 | ↑ +4% |
| BCBS - Anthem | Commercial|Non-MCS HMO | $48,732.60 | ↑ +12% |
| BCBS - Anthem | Commercial|Non-MCS PPO | $51,109.80 | ↑ +17% |
| BCBS - Anthem | Commercial|MCS | $51,109.80 | ↑ +17% |
| Cigna | Commercial|PPO | $52,298.40 | ↑ +20% |
| Cigna | Commercial|All Other Plans | $52,298.40 | ↑ +20% |
| Inland Empire Health Plan | Medicaid|All Plans | $53,487.00 | ↑ +23% |
| Aetna | Commercial|Non-Gatekeeper | $54,675.60 | ↑ +26% |
| HPN | Medicare|Senior | $55,864.20 | ↑ +28% |
| Health Net | Commercial|EPPO | $55,864.20 | ↑ +28% |
| HPN | Commercial|All Plans | $57,052.80 | ↑ +31% |
| HPN | Medicaid|All Plans | $57,052.80 | ↑ +31% |
| Blue Shield CA | Commercial|All Other Plans | $61,807.20 | ↑ +42% |
| Health Net | Commercial|Care Product | $62,995.80 | ↑ +45% |
| Health Net | Commercial|All Other Plans | $68,938.80 | ↑ +58% |
| United | Commercial|All Other Plans | $68,938.80 | ↑ +58% |
| United | Commercial|HMO | $72,504.60 | ↑ +67% |
| First Health | Commercial|All Plans | $78,447.60 | ↑ +80% |
| MultiPlan | Commercial|All Plans | $95,088.00 | ↑ +118% |
| Healthsmart | Commercial|All Plans | $97,465.20 | ↑ +124% |
| Blue Shield CA | Medicare|BlueShield Promise | $101,031.00 | ↑ +132% |
Visitor-reported prices
Comments
Kit ipg optimizer smart at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Community Hospital San Bernardino | San Bernardino | $51,121.30 | $24,960.60 – $118,860.00 |
| St. John's Camarillo Hospital | Camarillo | $49,197.04 | $26,957.28 – $87,611.16 |
| Petaluma Valley Hospital | Petaluma | $79,825.20 | not published |
| Arroyo Grande Hospital | Santa Maria | $43,704.80 | $23,486.22 – $100,071.72 |
| French Hospital | San Luis Obispo | $40,028.69 | $19,401.66 – $100,071.72 |
| Mercy Hospitals – Bakersfield | Bakersfield | $46,302.66 | $31,201.25 – $112,324.50 |
| Bakersfield Memorial Hospital | Bakersfield | $45,803.44 | $28,365.00 – $110,056.20 |
| Queen of The Valley Medical Center | Napa | $79,825.20 | not published |