Lower Back (Lumbar Spine) MRI (with and without contrast) at St. Bernardine Medical Center
2101 N Waterman Ave, San Bernardino, CA · CommonSpirit Health · · NPI 1689769911
$3,617.72
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.
$10,864.00
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.
$353.19 with IHCG vs $8,908.48 with Healthsmart — 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 |
|---|---|---|---|
| IHCG | Medicaid|All Plans | $353.19 | ↓ -90% |
| IHCG | Medicare|All Plans | $354.20 | ↓ -90% |
| Kaiser | Medicaid|All Plans | $390.24 | ↓ -89% |
| LA Care | Medicaid|> 21 | $447.95 | ↓ -88% |
| Partnership Health Plan | Medicaid|< 21 | $447.95 | ↓ -88% |
| Partnership Health Plan | Medicaid|> 21 | $447.95 | ↓ -88% |
| LA Care | Medicaid|< 21 | $447.95 | ↓ -88% |
| First Health | Medicare|All Plans | $453.77 | ↓ -87% |
| Molina | Medicare|All Plans | $453.77 | ↓ -87% |
| United | Medicare|All Plans | $453.77 | ↓ -87% |
| Health Net | Medicare|All Plans | $453.77 | ↓ -87% |
| Humana | Medicare|All Plans | $453.77 | ↓ -87% |
| Kaiser | Medicare|All Plans | $453.77 | ↓ -87% |
| Central Health Plan | Medicare|All Plans | $453.77 | ↓ -87% |
| BCBS - Anthem | Medicare|All Plans | $453.77 | ↓ -87% |
| Patton | Medicare|All Plans | $453.77 | ↓ -87% |
| Epic Health | Medicare|All Plans | $453.77 | ↓ -87% |
| Blue Shield CA | Medicare|All Other Plans | $453.77 | ↓ -87% |
| Scan Health Plan | Medicare|All Plans | $453.77 | ↓ -87% |
| Inland Empire Health Plan | Medicare|All Plans | $453.77 | ↓ -87% |
| Molina | Medicaid|> 21 | $631.61 | ↓ -83% |
| Molina | Medicaid|< 21 | $631.61 | ↓ -83% |
| HPN | Medicaid|All Plans | $657.14 | ↓ -82% |
| DHMG | Commercial|All Plans | $657.97 | ↓ -82% |
| Health Net | Medicaid|All Plans | $677.71 | ↓ -81% |
| Blue Shield CA | Medicare|BlueShield Promise | $735.00 | ↓ -80% |
| EPIC Health | Commercial|All Plans | $771.41 | ↓ -79% |
| PrimeCare | Medicare|All Plans | $820.00 | ↓ -77% |
| United | Commercial|All Other Plans | $828.27 | ↓ -77% |
| United | Commercial|HMO | $828.27 | ↓ -77% |
| Naphcare | Commercial|All Plans | $884.85 | ↓ -76% |
| Inland Empire Health Plan | Medicaid|All Plans | $895.90 | ↓ -75% |
| Cigna | Commercial|All Other Plans | $1,004.00 | ↓ -72% |
| Cigna | Commercial|PPO | $1,004.00 | ↓ -72% |
| Aetna | Commercial|Gatekeeper | $1,141.35 | ↓ -68% |
| PrimeCare | Commercial|All Plans | $1,186.00 | ↓ -67% |
| Aetna | Commercial|Non-Gatekeeper | $1,348.38 | ↓ -63% |
| BCBS - Anthem | Medicaid|All Plans | $2,087.57 | ↓ -42% |
| Care 1st | Medicaid|All Plans | $2,239.75 | ↓ -38% |
| BCBS - Anthem | Commercial|Exchange | $2,267.00 | ↓ -37% |
| Redlands | Commercial|All Plans | $3,150.56 | ↓ -13% |
| BCBS - Anthem | Commercial|Non-MCS PPO | $3,239.00 | ↓ -10% |
| BCBS - Anthem | Commercial|Non-MCS HMO | $3,239.00 | ↓ -10% |
| Kaiser | Commercial|All Plans | $3,259.20 | ↓ -10% |
| BCBS - Anthem | Commercial|MCS | $5,215.00 | ↑ +44% |
| HPN | Medicare|Senior | $6,409.76 | ↑ +77% |
| HPN | Commercial|All Plans | $6,844.32 | ↑ +89% |
| First Health | Commercial|All Plans | $7,170.24 | ↑ +98% |
| MultiPlan | Commercial|All Plans | $8,691.20 | ↑ +140% |
| Healthsmart | Commercial|All Plans | $8,908.48 | ↑ +146% |
Visitor-reported prices
Comments
Lower Back (Lumbar Spine) MRI (with and without contrast) at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Community Hospital San Bernardino | San Bernardino | $1,779.84 | $447.95 – $4,552.00 |
| St. John's Camarillo Hospital | Camarillo | $4,796.10 | $453.77 – $8,541.00 |
| Banner Lassen Medical Center | Susanville | $3,672.12 | $71.43 – $6,271.05 |
| Petaluma Valley Hospital | Petaluma | $7,675.50 | $470.15 – $5,091.33 |
| Arroyo Grande Hospital | Santa Maria | $3,805.78 | $447.95 – $6,622.84 |
| Mark Twain Medical Center | San Andreas | $9,233.43 | $447.95 – $3,520.16 |
| French Hospital | San Luis Obispo | $3,044.28 | $447.95 – $2,111.00 |
| Mercy Hospitals – Bakersfield | Bakersfield | $2,843.72 | $447.95 – $6,132.00 |