Copper intrauterine device at Sanford Bemidji Medical Center
1300 Anne Street NW, Bemidji, MN · Sanford Health · · NPI 1801870191
$2,516.44
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.
$3,145.55
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.
$579.31 with Sanford Health Plan vs $1,144.13 with Healthez — 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 |
|---|---|---|---|
| Sanford Health Plan | SD Exchange True | $579.31 | ↓ -77% |
| Sanford Health Plan | Group Health/True | $660.54 | ↓ -74% |
| Sanford Health Plan | SD Exchange Commercial | $681.52 | ↓ -73% |
| Security Health Plan | Commercial | $699.19 | ↓ -72% |
| Sanford Health Plan | Commercial | $777.12 | ↓ -69% |
| Health Partners | Commercial | $889.88 | ↓ -65% |
| Ucare | Commercial | $893.56 | ↓ -64% |
| United Healthcare | CSP Top 20 | $967.42 | ↓ -62% |
| Aetna | Commercial | $1,042.43 | ↓ -59% |
| United Healthcare | Commercial | $1,061.49 | ↓ -58% |
| Medica | Choice | $1,067.85 | ↓ -58% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $1,126.62 | ↓ -55% |
| Blue Cross Blue Shield of Minnesota | PMAP | $1,126.62 | ↓ -55% |
| Medica | Elect | $1,142.85 | ↓ -55% |
| Multiplan | Commercial | $1,144.13 | ↓ -55% |
| Cigna | Commercial | $1,144.13 | ↓ -55% |
| First Choice Health Network | Commercial | $1,144.13 | ↓ -55% |
| Healthez | Commercial | $1,144.13 | ↓ -55% |
| United Healthcare | Medicare Replacement | not published by hospital | — |
| Aetna | Medicare Replacement | not published by hospital | — |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | not published by hospital | — |
| Great Plains Medicare Advantage | Medicare Replacement | not published by hospital | — |
| Health Partners | Medicare Replacement | not published by hospital | — |
| Primewest | Medicaid Managed Care | not published by hospital | — |
| Primewest | Medicare Replacement | not published by hospital | — |
| Sanford Health Plan Align | Medicare Replacement | not published by hospital | — |
| Ucare | Medicaid Managed Care | not published by hospital | — |
| Ucare | Medicare Replacement | not published by hospital | — |
Visitor-reported prices
Comments
Copper intrauterine device at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Canby Medical Center | Canby | $2,848.80 | $243.01 – $903.38 |
| Sanford Luverne Medical Center | Luverne | $2,848.80 | $862.12 – $3,204.90 |
| Sanford Worthington Medical Center | Worthington | $2,848.80 | $714.92 – $1,659.60 |
| Sanford Thief River Falls Medical Center | Thief River Falls | $1,661.60 | $713.45 – $1,869.30 |
| Sanford Behavioral Health Thief River Falls | Thief River Falls | $1,661.60 | $713.45 – $1,869.30 |
| United Hospital | MN | 1175 Nininger Road. Hastings | $1,320.91 | $1,100.76 – $1,885.57 |
| Owatonna Hospital | Owatonna | $1,541.06 | $1,100.76 – $2,030.62 |
| Abbott Northwestern Hospital | MN 55407 | $1,320.91 | $1,100.76 – $1,829.74 |