Ins picad w subq port 5yr> at Sanford Bemidji Medical Center
1300 Anne Street NW, Bemidji, MN · Sanford Health · · NPI 1801870191
$4,676.00
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.
$5,845.00
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.
$2,299.56 with Blue Cross Blue Shield of Minnesota vs $11,269.42 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 | $2,299.56 | ↓ -51% |
| Sanford Health Plan | SD Exchange True | $2,663.57 | ↓ -43% |
| Sanford Health Plan Align | Medicare Replacement | $2,934.51 | ↓ -37% |
| Sanford Health Plan | Group Health/True | $3,037.06 | ↓ -35% |
| Sanford Health Plan | SD Exchange Commercial | $3,133.50 | ↓ -33% |
| Ucare | Medicare Replacement | $3,150.74 | ↓ -33% |
| Great Plains Medicare Advantage | Medicare Replacement | $3,181.63 | ↓ -32% |
| Aetna | Medicare Replacement | $3,181.63 | ↓ -32% |
| United Healthcare | Medicare Replacement | $3,181.63 | ↓ -32% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $3,181.63 | ↓ -32% |
| Health Partners | Medicare Replacement | $3,181.63 | ↓ -32% |
| Security Health Plan | Commercial | $3,214.75 | ↓ -31% |
| Primewest | Medicare Replacement | $3,243.40 | ↓ -31% |
| Ucare | Medicaid Managed Care | $3,304.88 | ↓ -29% |
| Primewest | Medicaid Managed Care | $3,462.25 | ↓ -26% |
| Sanford Health Plan | Commercial | $3,573.05 | ↓ -24% |
| Health Partners | Commercial | $4,091.50 | ↓ -13% |
| Ucare | Commercial | $4,108.45 | ↓ -12% |
| United Healthcare | CSP Top 20 | $4,448.05 | ↓ -5% |
| Aetna | Commercial | $4,792.90 | ↑ +3% |
| United Healthcare | Commercial | $4,880.58 | ↑ +4% |
| Medica | Choice | $4,909.80 | ↑ +5% |
| Medica | Elect | $5,254.66 | ↑ +12% |
| Healthez | Commercial | $5,260.50 | ↑ +13% |
| Multiplan | Commercial | $5,260.50 | ↑ +13% |
| First Choice Health Network | Commercial | $5,260.50 | ↑ +13% |
| Cigna | Commercial | $5,260.50 | ↑ +13% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $11,269.42 | ↑ +141% |
Visitor-reported prices
Comments
Ins picad w subq port 5yr> at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| United Hospital | MN | 1175 Nininger Road. Hastings | $4,458.00 | $1,583.32 – $7,233.00 |
| Owatonna Hospital | Owatonna | $2,184.45 | $1,953.76 – $7,359.62 |
| Abbott Northwestern Hospital | MN 55407 | $4,458.00 | $1,583.32 – $7,879.95 |
| Allina Health Faribault Medical Center | Faribualt | $2,184.45 | $1,953.76 – $7,359.62 |
| Mercy Hospital | MN 55443 | 550 Osborne Road NE. Fridley | $4,458.00 | $1,583.32 – $7,233.00 |
| Buffalo Hospital | Buffalo | $2,184.45 | $1,953.76 – $7,359.62 |
| Cambridge Medical Center | Cambridge | $2,184.45 | $1,953.76 – $7,359.62 |
| River Falls Area Hospital | River Falls | $2,184.45 | $1,650.50 – $12,377.80 |