healthcosts.net
New Patient Office Visit (level 3) at Sanford Bagley Medical Center
203 4th Street NW, Bagley, MN · Sanford Health · · NPI 1932472255
$203.20
Cash price Discounted cash price What a hospital charges a self-pay patient who pays directly, without going through insurance — usually well below the gross charge. Example: A CT scan has a $3,200 gross charge but an $850 discounted cash price. Ask for it by name when scheduling — hospitals don't always advertise it up front.
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What you pay up front if you don't use insurance.
$254.00
Gross charge Gross charge (chargemaster price) The hospital's full, undiscounted list price — pulled from its internal "chargemaster" price list. Almost no one actually pays this. Example: A chest X-ray has a gross charge of $1,450. The same hospital's discounted cash price for the same X-ray is $180 — the gross charge mostly anchors negotiations, not what patients pay.
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The hospital's undiscounted list price — almost no one pays this.
$61.49 with Blue Cross Blue Shield of Minnesota vs $238.76 with Medica — same scan, same building. Share
Negotiated rates by payer
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Negotiated rate
The price a specific insurance plan agreed to pay the hospital for a service — it varies by insurer, and even by plan within the same insurer.
Example: The same knee MRI has a negotiated rate of $904 with one insurer's PPO plan and $1,509 with another's — identical hospital, identical scan.
Full explanation →
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Negotiated rate
The price a specific insurance plan agreed to pay the hospital for a service — it varies by insurer, and even by plan within the same insurer.
Example: The same knee MRI has a negotiated rate of $904 with one insurer's PPO plan and $1,509 with another's — identical hospital, identical scan.
Full explanation →Payer ?Payer The insurance company footing the bill — Aetna, UnitedHealthcare, Medicare, and so on. Example: "Blue Cross Blue Shield" is the payer. Its negotiated rate for an MRI might be $904, while a different payer's negotiated rate for the same scan is $1,509. Full explanation → |
Plan ?Plan The specific product an insurer sells — e.g. "Blue Cross PPO 500" — which sets your deductible, coinsurance and negotiated rates. Example: Two people both insured by Aetna can owe very different amounts for the same MRI: $50 with an HMO plan's flat copay, or the full $1,200 toward a high-deductible PPO plan's unmet deductible. Full explanation → |
Negotiated rate | vs. cash |
|---|---|---|---|
| Blue Cross Blue Shield of Minnesota | PMAP | $61.49 | ↓ -70% |
| Sanford Health Plan Align | Medicare Replacement | $115.82 | ↓ -43% |
| Ucare | Medicare Replacement | $124.46 | ↓ -39% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $125.48 | ↓ -38% |
| Great Plains Medicare Advantage | Medicare Replacement | $125.48 | ↓ -38% |
| Health Partners | Medicare Replacement | $125.48 | ↓ -38% |
| United Healthcare | Medicare Replacement | $125.48 | ↓ -38% |
| Primewest | Medicare Replacement | $128.02 | ↓ -37% |
| Aetna | Medicare Replacement | $136.14 | ↓ -33% |
| Primewest | Medicaid Managed Care | $136.91 | ↓ -33% |
| Security Health Plan | Commercial | $139.70 | ↓ -31% |
| Sanford Health Plan | Group Health/True | $200.51 | ↓ -1% |
| Sanford Health Plan | SD Exchange True | $200.51 | ↓ -1% |
| Health Partners | Commercial | $205.74 | ↑ +1% |
| United Healthcare | Commercial + Top 20 | $212.09 | ↑ +4% |
| Aetna | Commercial | $220.73 | ↑ +9% |
| Ucare | Commercial | $223.16 | ↑ +10% |
| Medica | Choice | $223.27 | ↑ +10% |
| Cigna | Commercial | $228.60 | ↑ +13% |
| First Choice Health Network | Commercial | $228.60 | ↑ +13% |
| Healthez | Commercial | $228.60 | ↑ +13% |
| Multiplan | Commercial | $228.60 | ↑ +13% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $235.00 | ↑ +16% |
| Sanford Health Plan | Commercial/ND Pers | $235.89 | ↑ +16% |
| Sanford Health Plan | SD Exchange Commercial | $235.89 | ↑ +16% |
| Medica | Elect | $238.76 | ↑ +18% |
| Ucare | Medicaid Managed Care | not published by hospital | — |
Visitor-reported prices
Comments
New Patient Office Visit (level 3) at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Canby Medical Center | Canby | $195.20 | $59.07 – $219.60 |
| Sanford Westbrook Hospital | Westbrook | $176.80 | $53.50 – $198.90 |
| Sanford Wheaton | Wheaton | $186.40 | $56.41 – $209.70 |
| Sanford Bemidji Medical Center | Bemidji | $203.20 | $101.35 – $228.60 |
| Sanford Worthington Medical Center | Worthington | $565.60 | $74.83 – $173.70 |
| Sanford Tracy Hospital | Tracy | $176.80 | $53.50 – $198.90 |