Urgent but shoppable if you can choose the hospital before the OR.
Your cash sticker$17,691
Typical commercial / insured$28,963
Medicare-like yardstick$9,108
Rack rate if you have no deal$40,549
Insured markup on this quote: $11,272 (64%) above cash. Quality score 70/100 at California Community Hospital (model). This episode is tagged modeled from anchors.
Full-service community hospital (model). The default local option.
Evidence on this page. Commercial prices vs Medicare, by state · Hospital wage index — see the evidence ledger. Hospitals are archetypes (academic / community / ASC), not named facilities. Coastal flagships: wage + bargaining power, not just ‘better care.’