MRI chest without contrast at St. Bernardine Medical Center
2101 N Waterman Ave, San Bernardino, CA · CommonSpirit Health · · NPI 1689769911
$1,216.79
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.
$3,654.00
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 $5,215.00 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 |
|---|---|---|---|
| IHCG | Medicaid|All Plans | $215.55 | ↓ -82% |
| IHCG | Medicare|All Plans | $216.17 | ↓ -82% |
| Kaiser | Medicaid|All Plans | $264.13 | ↓ -78% |
| Inland Empire Health Plan | Medicare|All Plans | $307.13 | ↓ -75% |
| Kaiser | Medicare|All Plans | $307.13 | ↓ -75% |
| Blue Shield CA | Medicare|All Other Plans | $307.13 | ↓ -75% |
| Humana | Medicare|All Plans | $307.13 | ↓ -75% |
| First Health | Medicare|All Plans | $307.13 | ↓ -75% |
| Molina | Medicare|All Plans | $307.13 | ↓ -75% |
| Epic Health | Medicare|All Plans | $307.13 | ↓ -75% |
| BCBS - Anthem | Medicare|All Plans | $307.13 | ↓ -75% |
| Patton | Medicare|All Plans | $307.13 | ↓ -75% |
| United | Medicare|All Plans | $307.13 | ↓ -75% |
| Central Health Plan | Medicare|All Plans | $307.13 | ↓ -75% |
| Scan Health Plan | Medicare|All Plans | $307.13 | ↓ -75% |
| Health Net | Medicare|All Plans | $307.13 | ↓ -75% |
| DHMG | Commercial|All Plans | $445.34 | ↓ -63% |
| LA Care | Medicaid|> 21 | $485.69 | ↓ -60% |
| LA Care | Medicaid|< 21 | $485.69 | ↓ -60% |
| Partnership Health Plan | Medicaid|> 21 | $485.69 | ↓ -60% |
| Partnership Health Plan | Medicaid|< 21 | $485.69 | ↓ -60% |
| United | Commercial|HMO | $517.79 | ↓ -57% |
| United | Commercial|All Other Plans | $517.79 | ↓ -57% |
| EPIC Health | Commercial|All Plans | $522.12 | ↓ -57% |
| Naphcare | Commercial|All Plans | $598.90 | ↓ -51% |
| Molina | Medicaid|> 21 | $684.82 | ↓ -44% |
| Molina | Medicaid|< 21 | $684.82 | ↓ -44% |
| HPN | Medicaid|All Plans | $712.51 | ↓ -41% |
| Health Net | Medicaid|All Plans | $734.80 | ↓ -40% |
| Blue Shield CA | Medicare|BlueShield Promise | $735.00 | ↓ -40% |
| PrimeCare | Medicare|All Plans | $820.00 | ↓ -33% |
| Inland Empire Health Plan | Medicaid|All Plans | $971.38 | ↓ -20% |
| Cigna | Commercial|PPO | $1,004.00 | ↓ -17% |
| Cigna | Commercial|All Other Plans | $1,004.00 | ↓ -17% |
| Redlands | Commercial|All Plans | $1,059.66 | ↓ -13% |
| Kaiser | Commercial|All Plans | $1,096.20 | ↓ -10% |
| Aetna | Commercial|Gatekeeper | $1,141.35 | ↓ -6% |
| PrimeCare | Commercial|All Plans | $1,186.00 | ↓ -3% |
| BCBS - Anthem | Medicaid|All Plans | $1,238.79 | ↑ +2% |
| Aetna | Commercial|Non-Gatekeeper | $1,348.38 | ↑ +11% |
| HPN | Medicare|Senior | $2,155.86 | ↑ +77% |
| BCBS - Anthem | Commercial|Exchange | $2,267.00 | ↑ +86% |
| HPN | Commercial|All Plans | $2,302.02 | ↑ +89% |
| First Health | Commercial|All Plans | $2,411.64 | ↑ +98% |
| Care 1st | Medicaid|All Plans | $2,428.45 | ↑ +100% |
| MultiPlan | Commercial|All Plans | $2,923.20 | ↑ +140% |
| Healthsmart | Commercial|All Plans | $2,996.28 | ↑ +146% |
| BCBS - Anthem | Commercial|Non-MCS HMO | $3,239.00 | ↑ +166% |
| BCBS - Anthem | Commercial|Non-MCS PPO | $3,239.00 | ↑ +166% |
| BCBS - Anthem | Commercial|MCS | $5,215.00 | ↑ +329% |
Visitor-reported prices
Comments
MRI chest without contrast at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Community Hospital San Bernardino | San Bernardino | $682.30 | $307.13 – $2,428.45 |
| St. John's Camarillo Hospital | Camarillo | $2,519.38 | $307.13 – $4,486.56 |
| Banner Lassen Medical Center | Susanville | $1,495.64 | $48.34 – $2,087.44 |
| Arroyo Grande Hospital | Santa Maria | $1,879.35 | $307.13 – $3,585.82 |
| Mark Twain Medical Center | San Andreas | $7,693.64 | $485.69 – $2,846.90 |
| French Hospital | San Luis Obispo | $1,370.83 | $241.65 – $2,111.00 |
| Mercy Hospitals – Bakersfield | Bakersfield | $1,431.32 | $307.13 – $3,086.40 |
| Bakersfield Memorial Hospital | Bakersfield | $1,415.89 | $307.13 – $3,047.82 |