New Patient Office Visit (level 3) at St. Bernardine Medical Center
2101 N Waterman Ave, San Bernardino, CA · CommonSpirit Health · · NPI 1689769911
$286.38
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.
$860.00
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.
$101.90 with LA Care vs $860.00 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 |
|---|---|---|---|
| LA Care | Medicaid|< 21 | $101.90 | ↓ -64% |
| Partnership Health Plan | Medicaid|< 21 | $101.90 | ↓ -64% |
| Partnership Health Plan | Medicaid|> 21 | $101.90 | ↓ -64% |
| LA Care | Medicaid|> 21 | $101.90 | ↓ -64% |
| Blue Shield CA | Commercial|Exchange | $119.00 | ↓ -58% |
| BCBS - Anthem | Medicaid|All Plans | $123.08 | ↓ -57% |
| Molina | Medicaid|< 21 | $143.68 | ↓ -50% |
| Molina | Medicaid|> 21 | $143.68 | ↓ -50% |
| HPN | Medicaid|All Plans | $149.49 | ↓ -48% |
| Health Net | Medicaid|All Plans | $154.17 | ↓ -46% |
| Inland Empire Health Plan | Medicaid|All Plans | $164.10 | ↓ -43% |
| Blue Shield CA | Commercial|All Other Plans | $188.00 | ↓ -34% |
| Cigna | Commercial|All Other Plans | $227.00 | ↓ -21% |
| Cigna | Commercial|PPO | $227.00 | ↓ -21% |
| Redlands | Commercial|All Plans | $249.40 | ↓ -13% |
| Kaiser | Commercial|All Plans | $258.00 | ↓ -10% |
| United | Commercial|All Other Plans | $395.60 | ↑ +38% |
| BCBS - Anthem | Commercial|Exchange | $421.40 | ↑ +47% |
| HPN | Medicare|Senior | $507.40 | ↑ +77% |
| Care 1st | Medicaid|All Plans | $509.50 | ↑ +78% |
| HPN | Commercial|All Plans | $541.80 | ↑ +89% |
| First Health | Commercial|All Plans | $567.60 | ↑ +98% |
| BCBS - Anthem | Commercial|Non-MCS PPO | $602.00 | ↑ +110% |
| BCBS - Anthem | Commercial|Non-MCS HMO | $602.00 | ↑ +110% |
| MultiPlan | Commercial|All Plans | $688.00 | ↑ +140% |
| Healthsmart | Commercial|All Plans | $705.20 | ↑ +146% |
| Blue Shield CA | Medicare|BlueShield Promise | $731.00 | ↑ +155% |
| United | Commercial|HMO | $825.60 | ↑ +188% |
| BCBS - Anthem | Commercial|MCS | $860.00 | ↑ +200% |
Visitor-reported prices
Comments
New Patient Office Visit (level 3) at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| St. John's Camarillo Hospital | Camarillo | $642.42 | $66.96 – $226.00 |
| Arroyo Grande Hospital | Santa Maria | $155.37 | $82.05 – $335.00 |
| Mark Twain Medical Center | San Andreas | $175.16 | $39.84 – $150.92 |
| French Hospital | San Luis Obispo | $142.30 | $82.05 – $328.30 |
| Bakersfield Memorial Hospital | Bakersfield | $116.71 | $101.90 – $232.00 |
| Healdsburg Hospital | Healdsburg | $475.83 | not published |
| Redwood Memorial Hospital | Fortuna | $109.65 | not published |
| St. Joseph's Medical Center Stockton | Stockton | $198.75 | $82.05 – $554.32 |