Ortho elbow w/lock w/ft&adj at Sanford Bemidji Medical Center
1300 Anne Street NW, Bemidji, MN · Sanford Health · · NPI 1801870191
$786.56
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.
$983.20
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.
$152.20 with Sanford Health Plan vs $685.81 with Primewest — 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 | $152.20 | ↓ -81% |
| Sanford Health Plan | Group Health/True | $173.54 | ↓ -78% |
| Sanford Health Plan | SD Exchange Commercial | $179.05 | ↓ -77% |
| Security Health Plan | Commercial | $183.69 | ↓ -77% |
| Sanford Health Plan | Commercial | $204.17 | ↓ -74% |
| Health Partners | Commercial | $233.79 | ↓ -70% |
| Ucare | Commercial | $234.76 | ↓ -70% |
| United Healthcare | CSP Top 20 | $254.17 | ↓ -68% |
| Aetna | Commercial | $273.87 | ↓ -65% |
| United Healthcare | Commercial | $278.88 | ↓ -65% |
| Medica | Choice | $280.55 | ↓ -64% |
| Medica | Elect | $300.26 | ↓ -62% |
| Healthez | Commercial | $300.59 | ↓ -62% |
| Multiplan | Commercial | $300.59 | ↓ -62% |
| Cigna | Commercial | $300.59 | ↓ -62% |
| First Choice Health Network | Commercial | $300.59 | ↓ -62% |
| Blue Cross Blue Shield of Minnesota | PMAP | $517.92 | ↓ -34% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $517.92 | ↓ -34% |
| Sanford Health Plan Align | Medicare Replacement | $620.49 | ↓ -21% |
| Ucare | Medicare Replacement | $666.21 | ↓ -15% |
| United Healthcare | Medicare Replacement | $672.74 | ↓ -14% |
| Aetna | Medicare Replacement | $672.74 | ↓ -14% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $672.74 | ↓ -14% |
| Great Plains Medicare Advantage | Medicare Replacement | $672.74 | ↓ -14% |
| Health Partners | Medicare Replacement | $672.74 | ↓ -14% |
| Primewest | Medicare Replacement | $685.81 | ↓ -13% |
| Ucare | Medicaid Managed Care | not published by hospital | — |
| Primewest | Medicaid Managed Care | not published by hospital | — |
Visitor-reported prices
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Ortho elbow w/lock w/ft&adj at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| United Hospital | MN | 1175 Nininger Road. Hastings | $820.03 | $85.16 – $559.45 |
| Owatonna Hospital | Owatonna | $956.70 | $61.67 – $724.85 |
| Abbott Northwestern Hospital | MN 55407 | $820.03 | $85.16 – $217.42 |
| Allina Health Faribault Medical Center | Faribualt | $956.70 | $61.67 – $724.85 |
| New Ulm Medical Center | MN 56073 | $720.27 | $35.02 – $903.08 |
| Mercy Hospital | MN 55443 | 550 Osborne Road NE. Fridley | $820.03 | $85.16 – $217.42 |
| Buffalo Hospital | Buffalo | $956.70 | $61.67 – $724.85 |
| Cambridge Medical Center | Cambridge | $956.70 | $61.67 – $724.85 |