Core ndl bx lng/med perq at Sanford Bemidji Medical Center
1300 Anne Street NW, Bemidji, MN · Sanford Health · · NPI 1801870191
$2,112.80
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.
$2,641.00
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.
$1,169.64 with Blue Cross Blue Shield of Minnesota vs $5,732.05 with Blue Cross Blue Shield of Minnesota — 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 | $1,169.64 | ↓ -45% |
| Sanford Health Plan | SD Exchange True | $1,203.50 | ↓ -43% |
| Sanford Health Plan | Group Health/True | $1,372.26 | ↓ -35% |
| Sanford Health Plan | SD Exchange Commercial | $1,415.84 | ↓ -33% |
| Security Health Plan | Commercial | $1,452.55 | ↓ -31% |
| Sanford Health Plan Align | Medicare Replacement | $1,510.60 | ↓ -29% |
| Sanford Health Plan | Commercial | $1,614.44 | ↓ -24% |
| Ucare | Medicare Replacement | $1,621.91 | ↓ -23% |
| Great Plains Medicare Advantage | Medicare Replacement | $1,637.81 | ↓ -22% |
| Aetna | Medicare Replacement | $1,637.81 | ↓ -22% |
| United Healthcare | Medicare Replacement | $1,637.81 | ↓ -22% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $1,637.81 | ↓ -22% |
| Health Partners | Medicare Replacement | $1,637.81 | ↓ -22% |
| Primewest | Medicare Replacement | $1,669.61 | ↓ -21% |
| Ucare | Medicaid Managed Care | $1,701.25 | ↓ -19% |
| Primewest | Medicaid Managed Care | $1,782.26 | ↓ -16% |
| Health Partners | Commercial | $1,848.70 | ↓ -13% |
| Ucare | Commercial | $1,856.36 | ↓ -12% |
| United Healthcare | CSP Top 20 | $2,009.80 | ↓ -5% |
| Aetna | Commercial | $2,165.62 | ↑ +3% |
| United Healthcare | Commercial | $2,205.24 | ↑ +4% |
| Medica | Choice | $2,218.44 | ↑ +5% |
| Medica | Elect | $2,374.26 | ↑ +12% |
| Multiplan | Commercial | $2,376.90 | ↑ +13% |
| Cigna | Commercial | $2,376.90 | ↑ +13% |
| Healthez | Commercial | $2,376.90 | ↑ +13% |
| First Choice Health Network | Commercial | $2,376.90 | ↑ +13% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $5,732.05 | ↑ +171% |
Visitor-reported prices
Comments
Core ndl bx lng/med perq at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| United Hospital | MN | 1175 Nininger Road. Hastings | $3,312.34 | $247.08 – $3,895.00 |
| Owatonna Hospital | Owatonna | $4,417.11 | $354.86 – $5,820.31 |
| Abbott Northwestern Hospital | MN 55407 | $3,312.34 | $247.08 – $4,056.36 |
| Allina Health Faribault Medical Center | Faribualt | $4,417.11 | $354.86 – $5,820.31 |
| New Ulm Medical Center | MN 56073 | $3,996.05 | $370.23 – $5,835.59 |
| Mercy Hospital | MN 55443 | 550 Osborne Road NE. Fridley | $3,312.34 | $247.08 – $3,895.00 |
| Buffalo Hospital | Buffalo | $4,417.11 | $354.86 – $5,339.74 |
| Cambridge Medical Center | Cambridge | $4,417.11 | $354.86 – $5,339.74 |