Level 3: seen, maybe labs, not admitted. Hard to shop in the moment — still worth knowing.
Your cash sticker$911
Typical commercial / insured$1,492
Medicare-like yardstick$469
Rack rate if you have no deal$3,684
Insured markup on this quote: $581 (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 · Saline bag acquisition vs bill — see the evidence ledger. Hospitals are archetypes (academic / community / ASC), not named facilities. Coastal flagships: wage + bargaining power, not just ‘better care.’