Kit ipg optimizer smart at St. Joseph's Medical Center Stockton
1800 N California St, Stockton, CA · CommonSpirit Health · · NPI 1528190931
$22,015.61
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.
$74,883.00
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.
$17,699.76 with Health Net vs $68,076.00 with Aetna — 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 |
|---|---|---|---|
| Health Net | Medicaid|All Plans | $17,699.76 | ↓ -20% |
| Kaiser | Commercial|Affiliated Payers | $17,699.76 | ↓ -20% |
| Kaiser | Commercial|All Other Plans | $17,699.76 | ↓ -20% |
| Health Plan of San Joaquin | Medicaid|All Plans | $22,465.08 | ↑ +2% |
| HPSJ | Medicaid|> 21 | $22,465.08 | ↑ +2% |
| Sutter UMR | Commercial|All Plans | $27,230.40 | ↑ +24% |
| United | Commercial|Options PPO | $28,591.92 | ↑ +30% |
| United | Commercial|Non-Options PPO | $32,676.48 | ↑ +48% |
| United | Commercial|All Other Plans | $33,357.24 | ↑ +52% |
| United | Commercial|HMO | $34,718.76 | ↑ +58% |
| Health Net | Commercial|Care Product | $35,399.52 | ↑ +61% |
| Healthsmart | Commercial|All Plans | $37,441.80 | ↑ +70% |
| Health Net | Commercial|FFS | $40,164.84 | ↑ +82% |
| BCBS - Anthem | Commercial|Exchange | $46,972.44 | ↑ +113% |
| First Health | Commercial|All Plans | $49,014.72 | ↑ +123% |
| MultiPlan | Commercial|All Plans | $55,822.32 | ↑ +154% |
| Blue Shield CA | Commercial|Exchange | $58,545.36 | ↑ +166% |
| Blue Shield CA | Commercial|All Other Plans | $62,629.92 | ↑ +184% |
| Cigna | Commercial|All Other Plans | $63,991.44 | ↑ +191% |
| Cigna | Commercial|PPO | $63,991.44 | ↑ +191% |
| BCBS - Anthem | Commercial|Non-MCS | $64,672.20 | ↑ +194% |
| BCBS - Anthem | Commercial|MCS | $64,672.20 | ↑ +194% |
| Aetna | Commercial|PPO | $68,076.00 | ↑ +209% |
| Aetna | Commercial|All Other Plans | $68,076.00 | ↑ +209% |
| Aetna | Commercial|HMO | $68,076.00 | ↑ +209% |
Visitor-reported prices
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Kit ipg optimizer smart at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| St. John's Camarillo Hospital | Camarillo | $49,197.04 | $26,957.28 – $87,611.16 |
| Petaluma Valley Hospital | Petaluma | $79,825.20 | not published |
| Arroyo Grande Hospital | Santa Maria | $43,704.80 | $23,486.22 – $100,071.72 |
| French Hospital | San Luis Obispo | $40,028.69 | $19,401.66 – $100,071.72 |
| Mercy Hospitals – Bakersfield | Bakersfield | $46,302.66 | $31,201.25 – $112,324.50 |
| Bakersfield Memorial Hospital | Bakersfield | $45,803.44 | $28,365.00 – $110,056.20 |
| Queen of The Valley Medical Center | Napa | $79,825.20 | not published |
| Providence St Joseph Hospital Eureka | Eureka | $29,702.40 | not published |