Surgical pathology level 5 gross & microscopic examination at St. Bernardine Medical Center
2101 N Waterman Ave, San Bernardino, CA · CommonSpirit Health · · NPI 1689769911
$321.02
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.
$964.00
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.
$125.71 with LA Care vs $891.27 with Naphcare — 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 | $125.71 | ↓ -61% |
| LA Care | Medicaid|< 21 | $125.71 | ↓ -61% |
| Partnership Health Plan | Medicaid|< 21 | $125.71 | ↓ -61% |
| Partnership Health Plan | Medicaid|> 21 | $125.71 | ↓ -61% |
| Molina | Medicaid|< 21 | $177.25 | ↓ -45% |
| Molina | Medicaid|> 21 | $177.25 | ↓ -45% |
| HPN | Medicaid|All Plans | $184.42 | ↓ -43% |
| BCBS - Anthem | Medicaid|All Plans | $188.57 | ↓ -41% |
| Health Net | Medicaid|All Plans | $190.18 | ↓ -41% |
| BCBS - Anthem | Commercial|Exchange | $195.36 | ↓ -39% |
| Inland Empire Health Plan | Medicaid|All Plans | $251.42 | ↓ -22% |
| BCBS - Anthem | Commercial|Non-MCS HMO | $279.04 | ↓ -13% |
| BCBS - Anthem | Commercial|Non-MCS PPO | $279.04 | ↓ -13% |
| Redlands | Commercial|All Plans | $279.56 | ↓ -13% |
| Kaiser | Commercial|All Plans | $289.20 | ↓ -10% |
| IHCG | Medicaid|All Plans | $327.67 | ↑ +2% |
| IHCG | Medicare|All Plans | $328.61 | ↑ +2% |
| United | Commercial|HMO | $349.51 | ↑ +9% |
| United | Commercial|All Other Plans | $349.51 | ↑ +9% |
| Kaiser | Medicaid|All Plans | $393.07 | ↑ +22% |
| BCBS - Anthem | Commercial|MCS | $449.38 | ↑ +40% |
| Kaiser | Medicare|All Plans | $457.06 | ↑ +42% |
| Central Health Plan | Medicare|All Plans | $457.06 | ↑ +42% |
| Patton | Medicare|All Plans | $457.06 | ↑ +42% |
| BCBS - Anthem | Medicare|All Plans | $457.06 | ↑ +42% |
| Humana | Medicare|All Plans | $457.06 | ↑ +42% |
| Epic Health | Medicare|All Plans | $457.06 | ↑ +42% |
| United | Medicare|All Plans | $457.06 | ↑ +42% |
| Molina | Medicare|All Plans | $457.06 | ↑ +42% |
| Scan Health Plan | Medicare|All Plans | $457.06 | ↑ +42% |
| First Health | Medicare|All Plans | $457.06 | ↑ +42% |
| Inland Empire Health Plan | Medicare|All Plans | $457.06 | ↑ +42% |
| Health Net | Medicare|All Plans | $457.06 | ↑ +42% |
| Blue Shield CA | Medicare|All Other Plans | $457.06 | ↑ +42% |
| Aetna | Commercial|Gatekeeper | $457.70 | ↑ +43% |
| Aetna | Commercial|Non-Gatekeeper | $540.72 | ↑ +68% |
| HPN | Medicare|Senior | $568.76 | ↑ +77% |
| Cigna | Commercial|PPO | $597.56 | ↑ +86% |
| Cigna | Commercial|All Other Plans | $597.56 | ↑ +86% |
| HPN | Commercial|All Plans | $607.32 | ↑ +89% |
| Care 1st | Medicaid|All Plans | $628.55 | ↑ +96% |
| First Health | Commercial|All Plans | $636.24 | ↑ +98% |
| DHMG | Commercial|All Plans | $662.74 | ↑ +106% |
| MultiPlan | Commercial|All Plans | $771.20 | ↑ +140% |
| EPIC Health | Commercial|All Plans | $777.00 | ↑ +142% |
| Healthsmart | Commercial|All Plans | $790.48 | ↑ +146% |
| Blue Shield CA | Medicare|BlueShield Promise | $819.40 | ↑ +155% |
| Naphcare | Commercial|All Plans | $891.27 | ↑ +178% |
Visitor-reported prices
Comments
Surgical pathology level 5 gross & microscopic examination at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Community Hospital San Bernardino | San Bernardino | $163.05 | $125.71 – $813.15 |
| St. John's Camarillo Hospital | Camarillo | $222.51 | $137.16 – $813.52 |
| Petaluma Valley Hospital | Petaluma | $653.82 | $163.66 – $566.82 |
| Arroyo Grande Hospital | Santa Maria | $141.24 | $109.34 – $536.77 |
| Mark Twain Medical Center | San Andreas | $291.05 | $56.81 – $215.18 |
| French Hospital | San Luis Obispo | $129.36 | $59.05 – $631.01 |
| Mercy Hospitals – Bakersfield | Bakersfield | $191.44 | $123.13 – $598.65 |
| Bakersfield Memorial Hospital | Bakersfield | $189.38 | $123.13 – $598.65 |