My rating is based on my experience with the administration, not with the doctors and nurses who were excellent. Last year we had dismal health insurance coverage resulting from poor choices on the Covered California website (critical review yet to be written). That coverage did not pay for any "out of network" expenses, and all of our existing doctors were "out of network" ... same Anthem Blue Cross plan, but some clause online excluded PAMF from coverage. Our favorite doctors are at PAMF, so we self-insured for the year and paid for every visit on top of our $2K/month insurance payment. When checking in at Menlo Park Surgical Hospital, we declared that we were self-pay and that our insurance did not cover this surgery. On top of that, we were told that if we didn't pay up-front we would have to pay 30% more -- no advance notice of that policy. We might have reconsidered the surgery if we knew ahead of time that it was going to be more than $40K -- there were other options. But we plunged forward, and paid up-front to receive the pre-pay discount. We asked for and received the self-insurance discount, because our insurance did not cover Menlo Park Surgical Hospital (or their anaesthesiologist, or their room charges, or ... ANYTHING).
We received and paid a number of bills in the three months after the surgery, as various charges came in. Then six months later we received a bill for almost $10K, with no explanation -- when we called in, we were told that because we had health insurance (that did not pay a dime for this surgery), they were disallowing our self-insured discounts.
I pointed out the Kafka-esque nature of disallowing a self-insured discount when our insurance did not cover any of our expenses, especially since we had been up-front about the situation from the beginning. I was told that they would review my request to have the discount reinstated, and would get back to me no sooner than two weeks later ... and when I pointed out that the early payment discount would not be available in two weeks, I was told "too bad".
Very pleasant people each time I have called in, hiding behind bad policies that have nothing to do with patient care (or logic) and all about extracting as much money as possible from each patient. Those without insurance are especially ripe targets.
So, I would suggest that if your insurance is less than gold-plated you reconsider whether this is the hospital you want to patronize.