Observation direct referral from physician office for admission at St. Bernardine Medical Center
2101 N Waterman Ave, San Bernardino, CA · CommonSpirit Health · · NPI 1689769911
$240.76
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.
$723.00
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.
$65.00 with Blue Shield CA vs $6,367.00 with United — 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 |
|---|---|---|---|
| Blue Shield CA | Commercial|Exchange | $65.00 | ↓ -73% |
| Blue Shield CA | Commercial|All Other Plans | $70.00 | ↓ -71% |
| Redlands | Commercial|All Plans | $209.67 | ↓ -13% |
| Kaiser | Commercial|All Plans | $216.90 | ↓ -10% |
| BCBS - Anthem | Commercial|Exchange | $354.27 | ↑ +47% |
| HPN | Medicare|Senior | $426.57 | ↑ +77% |
| HPN | Commercial|All Plans | $455.49 | ↑ +89% |
| Cigna | Commercial|PPO | $462.72 | ↑ +92% |
| Cigna | Commercial|All Other Plans | $462.72 | ↑ +92% |
| First Health | Commercial|All Plans | $477.18 | ↑ +98% |
| BCBS - Anthem | Commercial|Non-MCS HMO | $506.10 | ↑ +110% |
| BCBS - Anthem | Commercial|Non-MCS PPO | $506.10 | ↑ +110% |
| MultiPlan | Commercial|All Plans | $578.40 | ↑ +140% |
| IHCG | Medicaid|All Plans | $583.30 | ↑ +142% |
| IHCG | Medicare|All Plans | $584.97 | ↑ +143% |
| Healthsmart | Commercial|All Plans | $592.86 | ↑ +146% |
| Blue Shield CA | Medicare|BlueShield Promise | $614.55 | ↑ +155% |
| Kaiser | Medicaid|All Plans | $669.94 | ↑ +178% |
| BCBS - Anthem | Medicare|All Plans | $723.00 | ↑ +200% |
| Health Net | Medicare|All Plans | $723.00 | ↑ +200% |
| BCBS - Anthem | Commercial|MCS | $723.00 | ↑ +200% |
| Humana | Medicare|All Plans | $723.00 | ↑ +200% |
| Kaiser | Medicare|All Plans | $723.00 | ↑ +200% |
| Central Health Plan | Medicare|All Plans | $723.00 | ↑ +200% |
| Scan Health Plan | Medicare|All Plans | $723.00 | ↑ +200% |
| HPN | Medicaid|All Plans | $723.00 | ↑ +200% |
| Molina | Medicare|All Plans | $723.00 | ↑ +200% |
| Inland Empire Health Plan | Medicare|All Plans | $723.00 | ↑ +200% |
| Epic Health | Medicare|All Plans | $723.00 | ↑ +200% |
| Patton | Medicare|All Plans | $723.00 | ↑ +200% |
| First Health | Medicare|All Plans | $723.00 | ↑ +200% |
| Blue Shield CA | Medicare|All Other Plans | $779.00 | ↑ +224% |
| United | Medicare|All Plans | $779.00 | ↑ +224% |
| DHMG | Commercial|All Plans | $1,048.35 | ↑ +335% |
| EPIC Health | Commercial|All Plans | $1,324.30 | ↑ +450% |
| Naphcare | Commercial|All Plans | $1,409.85 | ↑ +486% |
| Molina | Medicaid|> 21 | $1,441.00 | ↑ +499% |
| Molina | Medicaid|< 21 | $1,441.00 | ↑ +499% |
| United | Commercial|All Other Plans | $6,210.00 | ↑ +2479% |
| United | Commercial|HMO | $6,367.00 | ↑ +2545% |
Visitor-reported prices
Comments
Observation direct referral from physician office for admission at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Community Hospital San Bernardino | San Bernardino | $287.78 | $64.00 – $8,268.00 |
| St. John's Camarillo Hospital | Camarillo | $321.93 | $63.00 – $3,227.50 |
| Banner Lassen Medical Center | Susanville | $738.37 | $122.62 – $634.38 |
| Petaluma Valley Hospital | Petaluma | $1,117.92 | $802.54 – $818.92 |
| Arroyo Grande Hospital | Santa Maria | $313.30 | $63.00 – $732.00 |
| Mark Twain Medical Center | San Andreas | $602.73 | $234.13 – $886.90 |
| French Hospital | San Luis Obispo | $286.95 | $63.00 – $677.00 |
| Mercy Hospitals – Bakersfield | Bakersfield | $276.40 | $63.00 – $745.00 |