Ins/rplc spi npg/rcvr pocket at Providence Little Company of Mary Med Center Torrance
4101 Torrance Blvd, Torrance, CA · Providence · · NPI 1003084211
$26,089.00
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.
$74,540.00
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.
$1,528.00 with Blue Shield vs $126,240.00 with Healthnet — 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 | Medicare Managed Care Plan | $1,528.00 | ↓ -94% |
| Blue Shield | Epn/Ifp Benefit Exchange | $3,516.00 | ↓ -87% |
| Blue Cross | All Commercial Plans | $3,816.00 | ↓ -85% |
| Blue Shield | Tandem Ppo/Blue High Performance Ppo/Epo | $3,835.00 | ↓ -85% |
| Blue Shield | Hmo | $3,947.00 | ↓ -85% |
| Blue Shield | Ppo/Epo | $4,256.00 | ↓ -84% |
| Cigna | Oa/Oap Hmo/Pos | $6,832.00 | ↓ -74% |
| Cigna | Ppo | $14,692.00 | ↓ -44% |
| Unitedhealthcare | Select/Navigate Hmo | $28,138.00 | ↑ +8% |
| Unitedhealthcare | All Commercial Plans | $31,863.00 | ↑ +22% |
| Aetna | Medicare Managed Care Plan | $39,688.16 | ↑ +52% |
| Humana | Medicare Managed Care Plan | $40,481.92 | ↑ +55% |
| Blue Cross | Anthem Vivity City Of La Other Commercial Plan | $41,580.42 | ↑ +59% |
| Caremore | Medicare Managed Care Plan | $43,656.97 | ↑ +67% |
| Blue Cross | Anthem Vivity Non City Of La Other Commercial Plan | $46,831.40 | ↑ +80% |
| La Care Health Plan | Covered Ca Exchange | $51,594.60 | ↑ +98% |
| Healthnet | Ambetter Hmo | $73,423.09 | ↑ +181% |
| Healthnet | Blue And Gold Other Commercial Plan | $78,268.00 | ↑ +200% |
| Healthnet | Ambetter Ppo | $84,932.66 | ↑ +226% |
| Healthnet | All Commercial Plans | $126,240.00 | ↑ +384% |
Visitor-reported prices
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Ins/rplc spi npg/rcvr pocket at other California hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Arroyo Grande Hospital | Santa Maria | $37,794.12 | $434.06 – $86,537.92 |
| French Hospital | San Luis Obispo | $34,615.17 | $434.06 – $86,537.92 |
| Mercy Hospitals – Bakersfield | Bakersfield | $35,160.79 | $434.06 – $75,818.40 |
| St. Joseph's Medical Center Stockton | Stockton | $21,097.15 | $434.06 – $60,277.56 |
| Santa Rosa Memorial Hospital | Santa Rosa | $96,592.47 | $2,995.00 – $42,937.38 |
| St. John's Camarillo Hospital | Camarillo | not published | $533.89 – $73,689.78 |
| Petaluma Valley Hospital | Petaluma | not published | $2,570.00 – $41,584.16 |
| Bakersfield Memorial Hospital | Bakersfield | not published | $434.06 – $38,719.74 |