healthcosts.net
Established Patient Office Visit (level 3) at Sanford Bemidji Medical Center
1300 Anne Street NW, Bemidji, MN · Sanford Health · · NPI 1801870191
$193.60
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.
$242.00
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.
$83.39 with Sanford Health Plan Align vs $166.50 with Multiplan — 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 Align | Medicare Replacement | $83.39 | ↓ -57% |
| Sanford Health Plan | SD Exchange True | $84.30 | ↓ -56% |
| Ucare | Medicare Replacement | $89.54 | ↓ -54% |
| Aetna | Medicare Replacement | $90.41 | ↓ -53% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $90.41 | ↓ -53% |
| Great Plains Medicare Advantage | Medicare Replacement | $90.41 | ↓ -53% |
| Health Partners | Medicare Replacement | $90.41 | ↓ -53% |
| United Healthcare | Medicare Replacement | $90.41 | ↓ -53% |
| Primewest | Medicare Replacement | $92.17 | ↓ -52% |
| Sanford Health Plan | Group Health/True | $96.13 | ↓ -50% |
| Sanford Health Plan | SD Exchange Commercial | $99.18 | ↓ -49% |
| Security Health Plan | Commercial | $101.75 | ↓ -47% |
| Sanford Health Plan | Commercial | $113.09 | ↓ -42% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $119.32 | ↓ -38% |
| Blue Cross Blue Shield of Minnesota | PMAP | $119.32 | ↓ -38% |
| Health Partners | Commercial | $129.50 | ↓ -33% |
| Ucare | Commercial | $130.04 | ↓ -33% |
| United Healthcare | CSP Top 20 | $140.79 | ↓ -27% |
| Aetna | Commercial | $151.70 | ↓ -22% |
| United Healthcare | Commercial | $154.48 | ↓ -20% |
| Medica | Choice | $155.40 | ↓ -20% |
| Medica | Elect | $166.32 | ↓ -14% |
| Cigna | Commercial | $166.50 | ↓ -14% |
| First Choice Health Network | Commercial | $166.50 | ↓ -14% |
| Healthez | Commercial | $166.50 | ↓ -14% |
| Multiplan | Commercial | $166.50 | ↓ -14% |
| Ucare | Medicaid Managed Care | not published by hospital | — |
| Primewest | Medicaid Managed Care | not published by hospital | — |
Visitor-reported prices
Comments
Established Patient Office Visit (level 3) at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Canby Medical Center | Canby | $153.60 | $44.30 – $164.70 |
| Sanford Westbrook Hospital | Westbrook | $202.40 | $40.43 – $150.30 |
| Sanford Bagley Medical Center | Bagley | $193.60 | $58.59 – $217.80 |
| Sanford Wheaton | Wheaton | $164.00 | $49.63 – $184.50 |
| Sanford Luverne Medical Center | Luverne | $205.60 | $62.22 – $231.30 |
| Sanford Worthington Medical Center | Worthington | $453.60 | $66.30 – $153.90 |
| Sanford Tracy Hospital | Tracy | $202.40 | $40.43 – $150.30 |