Lower Back (Lumbar Spine) MRI (without contrast) at St. Bernardine Medical Center
2101 N Waterman Ave, San Bernardino, CA · CommonSpirit Health · · NPI 1689769911
$2,166.17
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.
$6,505.00
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.
$215.55 with IHCG vs $5,334.10 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 | $215.55 | ↓ -90% |
| IHCG | Medicare|All Plans | $216.17 | ↓ -90% |
| Kaiser | Medicaid|All Plans | $264.13 | ↓ -88% |
| LA Care | Medicaid|< 21 | $266.80 | ↓ -88% |
| Partnership Health Plan | Medicaid|< 21 | $266.80 | ↓ -88% |
| Partnership Health Plan | Medicaid|> 21 | $266.80 | ↓ -88% |
| LA Care | Medicaid|> 21 | $266.80 | ↓ -88% |
| First Health | Medicare|All Plans | $307.13 | ↓ -86% |
| Molina | Medicare|All Plans | $307.13 | ↓ -86% |
| United | Medicare|All Plans | $307.13 | ↓ -86% |
| Health Net | Medicare|All Plans | $307.13 | ↓ -86% |
| Humana | Medicare|All Plans | $307.13 | ↓ -86% |
| Kaiser | Medicare|All Plans | $307.13 | ↓ -86% |
| Central Health Plan | Medicare|All Plans | $307.13 | ↓ -86% |
| BCBS - Anthem | Medicare|All Plans | $307.13 | ↓ -86% |
| Patton | Medicare|All Plans | $307.13 | ↓ -86% |
| Epic Health | Medicare|All Plans | $307.13 | ↓ -86% |
| Inland Empire Health Plan | Medicare|All Plans | $307.13 | ↓ -86% |
| Blue Shield CA | Medicare|All Other Plans | $307.13 | ↓ -86% |
| Scan Health Plan | Medicare|All Plans | $307.13 | ↓ -86% |
| Molina | Medicaid|> 21 | $376.19 | ↓ -83% |
| Molina | Medicaid|< 21 | $376.19 | ↓ -83% |
| HPN | Medicaid|All Plans | $391.40 | ↓ -82% |
| Health Net | Medicaid|All Plans | $403.64 | ↓ -81% |
| DHMG | Commercial|All Plans | $445.34 | ↓ -79% |
| United | Commercial|All Other Plans | $517.79 | ↓ -76% |
| United | Commercial|HMO | $517.79 | ↓ -76% |
| EPIC Health | Commercial|All Plans | $522.12 | ↓ -76% |
| Inland Empire Health Plan | Medicaid|All Plans | $533.60 | ↓ -75% |
| Naphcare | Commercial|All Plans | $598.90 | ↓ -72% |
| Blue Shield CA | Medicare|BlueShield Promise | $735.00 | ↓ -66% |
| PrimeCare | Medicare|All Plans | $820.00 | ↓ -62% |
| Cigna | Commercial|All Other Plans | $1,004.00 | ↓ -54% |
| Cigna | Commercial|PPO | $1,004.00 | ↓ -54% |
| Aetna | Commercial|Gatekeeper | $1,141.35 | ↓ -47% |
| PrimeCare | Commercial|All Plans | $1,186.00 | ↓ -45% |
| BCBS - Anthem | Medicaid|All Plans | $1,238.79 | ↓ -43% |
| Care 1st | Medicaid|All Plans | $1,334.00 | ↓ -38% |
| Aetna | Commercial|Non-Gatekeeper | $1,348.38 | ↓ -38% |
| Redlands | Commercial|All Plans | $1,886.45 | ↓ -13% |
| Kaiser | Commercial|All Plans | $1,951.50 | ↓ -10% |
| BCBS - Anthem | Commercial|Exchange | $2,267.00 | ↑ +5% |
| BCBS - Anthem | Commercial|Non-MCS PPO | $3,239.00 | ↑ +50% |
| BCBS - Anthem | Commercial|Non-MCS HMO | $3,239.00 | ↑ +50% |
| HPN | Medicare|Senior | $3,837.95 | ↑ +77% |
| HPN | Commercial|All Plans | $4,098.15 | ↑ +89% |
| First Health | Commercial|All Plans | $4,293.30 | ↑ +98% |
| MultiPlan | Commercial|All Plans | $5,204.00 | ↑ +140% |
| BCBS - Anthem | Commercial|MCS | $5,215.00 | ↑ +141% |
| Healthsmart | Commercial|All Plans | $5,334.10 | ↑ +146% |
Visitor-reported prices
Comments
Lower Back (Lumbar Spine) MRI (without contrast) at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Community Hospital San Bernardino | San Bernardino | $1,065.87 | $266.80 – $2,726.00 |
| St. John's Camarillo Hospital | Camarillo | $3,285.00 | $307.13 – $5,850.00 |
| Banner Lassen Medical Center | Susanville | $2,448.08 | $48.34 – $4,180.70 |
| Petaluma Valley Hospital | Petaluma | $5,534.52 | $321.54 – $2,866.28 |
| Arroyo Grande Hospital | Santa Maria | $2,416.49 | $266.80 – $4,191.46 |
| Mark Twain Medical Center | San Andreas | $6,473.52 | $266.80 – $2,461.76 |
| French Hospital | San Luis Obispo | $1,936.48 | $242.46 – $2,111.00 |
| Mercy Hospitals – Bakersfield | Bakersfield | $1,702.52 | $266.80 – $3,671.20 |