healthcosts.net
ER Visit (level 3) at Sanford Bemidji Medical Center
1300 Anne Street NW, Bemidji, MN · Sanford Health · · NPI 1801870191
$888.00
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.
$1,110.00
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.
$205.84 with Blue Cross Blue Shield of Minnesota vs $1,008.78 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 | $205.84 | ↓ -77% |
| Sanford Health Plan Align | Medicare Replacement | $258.15 | ↓ -71% |
| Ucare | Medicare Replacement | $277.17 | ↓ -69% |
| Aetna | Medicare Replacement | $279.89 | ↓ -68% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $279.89 | ↓ -68% |
| Great Plains Medicare Advantage | Medicare Replacement | $279.89 | ↓ -68% |
| Health Partners | Medicare Replacement | $279.89 | ↓ -68% |
| United Healthcare | Medicare Replacement | $279.89 | ↓ -68% |
| Primewest | Medicare Replacement | $285.33 | ↓ -68% |
| Ucare | Medicaid Managed Care | $290.73 | ↓ -67% |
| Primewest | Medicaid Managed Care | $304.58 | ↓ -66% |
| Sanford Health Plan | SD Exchange True | $505.83 | ↓ -43% |
| Sanford Health Plan | Group Health/True | $576.76 | ↓ -35% |
| Sanford Health Plan | SD Exchange Commercial | $595.07 | ↓ -33% |
| Security Health Plan | Commercial | $610.50 | ↓ -31% |
| Sanford Health Plan | Commercial | $678.54 | ↓ -24% |
| Health Partners | Commercial | $777.00 | ↓ -13% |
| Ucare | Commercial | $780.22 | ↓ -12% |
| United Healthcare | CSP Top 20 | $844.71 | ↓ -5% |
| Aetna | Commercial | $910.20 | ↑ +3% |
| United Healthcare | Commercial | $926.85 | ↑ +4% |
| Medica | Choice | $932.40 | ↑ +5% |
| Medica | Elect | $997.89 | ↑ +12% |
| Cigna | Commercial | $999.00 | ↑ +13% |
| First Choice Health Network | Commercial | $999.00 | ↑ +13% |
| Healthez | Commercial | $999.00 | ↑ +13% |
| Multiplan | Commercial | $999.00 | ↑ +13% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $1,008.78 | ↑ +14% |
Visitor-reported prices
Comments
ER Visit (level 3) at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Canby Medical Center | Canby | $836.00 | $252.99 – $940.50 |
| Sanford Westbrook Hospital | Westbrook | $704.80 | $213.29 – $792.90 |
| Sanford Bagley Medical Center | Bagley | $888.00 | $268.73 – $999.00 |
| Sanford Wheaton | Wheaton | $569.60 | $172.38 – $640.80 |
| Sanford Luverne Medical Center | Luverne | $658.40 | $199.25 – $740.70 |
| Sanford Worthington Medical Center | Worthington | $668.00 | $210.29 – $751.50 |
| Sanford Tracy Hospital | Tracy | $704.80 | $213.29 – $792.90 |
| Sanford Thief River Falls Medical Center | Thief River Falls | $640.80 | $275.14 – $720.90 |