Mom’s delivery + a normal newborn stay. Epidural averaged in.
Your cash sticker$19,300
Typical commercial / insured$31,596
Medicare-like yardstick$9,936
Rack rate if you have no deal$44,235
Insured markup on this quote: $12,297 (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. Hospital wage index · Cash menus beat insured allowed amounts — when they exist — see the evidence ledger. Hospitals are archetypes (academic / community / ASC), not named facilities. Coastal flagships: wage + bargaining power, not just ‘better care.’