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Heart valve surgery (open) in San Francisco Bay Area CA

Every commercial insurer rate these hospitals posted, as a dollar amount and as a multiple of the hospital's own Medicare base rate.

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MS-DRG 220

Hospital · insurer	Rate	× Medicare	Plans
Good Samaritan Hospital median $64,657 · local Medicare $57,500 · file 2026-09-01
Aetna	$58,779	1.0×	6
Alignment Health Plan	$58,779	1.0×	1
Astiva Health	$64,657	1.1×	1
Blue Shield of California	$59,955	1.0×	5
Bright Health	$103,650	1.8×	2
Cigna	$101,358	1.8×	4
Elevance/Anthem/Empire	$141,451	2.5×	2
Health Net	$60,741	1.1×	1
MedCare Partners	$60,249	1.0×	2
Palo Alto Medical	$76,413	1.3×	1
Rios Health	$64,657	1.1×	1
Rios Southwest Medical Group	$64,657	1.1×	1
UnitedHealthcare	$111,579	1.9×	2
St Mary's Medical Center median $88,337 · local Medicare $56,449 · file 2026-04-01
Blue Shield of California	$122,157	2.2×	1
Cigna	$56,710	1.0×	1
Healthnet	$99,496	1.8×	1
UnitedHealthcare	$77,178	1.4×	2
Stanford Health Care Tri-Valley median $143,195 · local Medicare $55,065 · file 2026-04-01
UnitedHealthcare	$143,195	2.6×	1

MS-DRG 219

Hospital · insurer	Rate	× Medicare	Plans
Good Samaritan Hospital median $92,890 · local Medicare $82,789 · file 2026-09-01
Aetna	$84,445	1.0×	6
Alignment Health Plan	$84,445	1.0×	1
Astiva Health	$92,890	1.1×	1
Blue Shield of California	$86,134	1.0×	5
Bright Health	$155,011	1.9×	2
Cigna	$101,358	1.2×	4
Elevance/Anthem/Empire	$141,451	1.7×	2
Health Net	$60,741	0.7×	1
MedCare Partners	$86,557	1.0×	2
Palo Alto Medical	$109,779	1.3×	1
Rios Health	$92,890	1.1×	1
Rios Southwest Medical Group	$92,890	1.1×	1
UnitedHealthcare	$123,717	1.5×	2
St Mary's Medical Center median $129,046 · local Medicare $81,276 · file 2026-04-01
Blue Shield of California	$182,222	2.2×	1
Cigna	$56,710	0.7×	1
Healthnet	$145,347	1.8×	1
UnitedHealthcare	$112,744	1.4×	2
Stanford Health Care Tri-Valley median $208,344 · local Medicare $79,283 · file 2026-04-01
UnitedHealthcare	$208,344	2.6×	1

MS-DRG 216

Hospital · insurer	Rate	× Medicare	Plans
Good Samaritan Hospital median $118,222 · local Medicare $105,481 · file 2026-09-01
Aetna	$107,474	1.0×	6
Alignment Health Plan	$107,474	1.0×	1
Astiva Health	$118,222	1.1×	1
Blue Shield of California	$109,624	1.0×	5
Bright Health	$185,783	1.8×	2
Cigna	$101,358	1.0×	4
Elevance/Anthem/Empire	$141,451	1.3×	2
MedCare Partners	$110,161	1.0×	2
Palo Alto Medical	$139,717	1.3×	1
Rios Health	$118,222	1.1×	1
Rios Southwest Medical Group	$118,222	1.1×	1
UnitedHealthcare	$185,202	1.8×	2
Stanford Health Care Tri-Valley median $136,106 · local Medicare $101,014 · file 2026-04-01
UnitedHealthcare	$136,106	1.3×	1
St Mary's Medical Center median $181,292 · local Medicare $103,553 · file 2026-04-01
Blue Shield of California	$235,950	2.3×	1
Healthnet	$181,292	1.8×	1
UnitedHealthcare	$140,626	1.4×	2

MS-DRG 217

Hospital · insurer	Rate	× Medicare	Plans
Good Samaritan Hospital median $79,613 · local Medicare $70,896 · file 2026-09-01
Aetna	$72,376	1.0×	6
Alignment Health Plan	$72,376	1.0×	1
Astiva Health	$79,613	1.1×	1
Blue Shield of California	$73,823	1.0×	5
Bright Health	$121,075	1.7×	2
Cigna	$101,358	1.4×	4
Elevance/Anthem/Empire	$141,451	2.0×	2
Health Net	$60,741	0.9×	1
MedCare Partners	$74,185	1.0×	2
Palo Alto Medical	$94,088	1.3×	1
Rios Health	$79,613	1.1×	1
Rios Southwest Medical Group	$79,613	1.1×	1
UnitedHealthcare	$161,461	2.3×	2
Stanford Health Care Tri-Valley median $87,675 · local Medicare $67,894 · file 2026-04-01
UnitedHealthcare	$87,675	1.3×	1
St Mary's Medical Center median $107,703 · local Medicare $69,601 · file 2026-04-01
Blue Shield of California	$146,880	2.1×	1
Cigna	$56,710	0.8×	1
Healthnet	$121,309	1.7×	1
UnitedHealthcare	$94,097	1.4×	2

Questions

How much does heart valve surgery (open) cost with commercial insurance in San Francisco Bay Area CA?

3 San Francisco Bay Area CA hospitals post usable commercial rates for inpatient stay (MS-DRG 220). The median across hospitals is $88,337; hospital medians range from $64,657 to $143,195. Your cost depends on your plan's deductible and coinsurance.