Observation direct referral from physician office for admission at French Hospital
1911 Johnson Ave, San Luis Obispo, CA · CommonSpirit Health · · NPI 1881760452
$286.95
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.
$732.00
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.
$63.00 with Blue Shield CA vs $10,888.00 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 | $63.00 | ↓ -78% |
| Blue Shield CA | Commercial|FFS | $66.00 | ↓ -77% |
| MHS HSPCC | Commercial|All Plans | $182.79 | ↓ -36% |
| Western Growers | Commercial|All Plans | $338.50 | ↑ +18% |
| Health Net | Commercial|FFS | $379.12 | ↑ +32% |
| Kaiser | Commercial|All Plans | $419.74 | ↑ +46% |
| Cigna | Commercial|PPO | $473.90 | ↑ +65% |
| Cigna | Commercial|All Other Plans | $473.90 | ↑ +65% |
| First Health | Commercial|All Plans | $575.45 | ↑ +101% |
| Healthsmart | Commercial|All Plans | $575.45 | ↑ +101% |
| MHS Hospice | Commercial|All Plans | $589.42 | ↑ +105% |
| BCBS - Anthem | Commercial|MCS | $656.69 | ↑ +129% |
| BCBS - Anthem | Commercial|Non-MCS | $663.46 | ↑ +131% |
| MultiPlan | Commercial|All Plans | $663.46 | ↑ +131% |
| Alignment | Medicare|All Plans | $677.00 | ↑ +136% |
| Blue Shield CA | Medicare|All Plans | $677.00 | ↑ +136% |
| Aetna | Medicare|All Plans | $677.00 | ↑ +136% |
| Health Net | Medicare|All Plans | $677.00 | ↑ +136% |
| Humana | Medicare|All Plans | $677.00 | ↑ +136% |
| Humana | Commercial|All Plans | $677.00 | ↑ +136% |
| Kaiser | Medicare|All Plans | $677.00 | ↑ +136% |
| BCBS - Anthem | Medicare|All Plans | $677.00 | ↑ +136% |
| United | Medicare|All Plans | $779.00 | ↑ +171% |
| United | Commercial|Non-Options PPO | $6,069.00 | ↑ +2015% |
| United | Commercial|All Other Plans | $7,508.00 | ↑ +2516% |
| United | Commercial|HMO | $10,888.00 | ↑ +3694% |
Visitor-reported prices
Comments
Observation direct referral from physician office for admission at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| 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 |
| Mercy Hospitals – Bakersfield | Bakersfield | $276.40 | $63.00 – $745.00 |
| Bakersfield Memorial Hospital | Bakersfield | $273.42 | $25.00 – $677.00 |
| Queen of The Valley Medical Center | Napa | $1,312.74 | $845.57 – $845.57 |