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Sinus CT scan (with and without contrast) at Sanford Bemidji Medical Center
1300 Anne Street NW, Bemidji, MN · Sanford Health · · NPI 1801870191
$2,536.00
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.
$3,170.00
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.
$132.55 with Blue Cross Blue Shield of Minnesota vs $2,853.00 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 |
|---|---|---|---|
| Blue Cross Blue Shield of Minnesota | PMAP | $132.55 | ↓ -95% |
| Sanford Health Plan Align | Medicare Replacement | $165.97 | ↓ -93% |
| Ucare | Medicare Replacement | $178.20 | ↓ -93% |
| Aetna | Medicare Replacement | $179.95 | ↓ -93% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $179.95 | ↓ -93% |
| Great Plains Medicare Advantage | Medicare Replacement | $179.95 | ↓ -93% |
| Health Partners | Medicare Replacement | $179.95 | ↓ -93% |
| United Healthcare | Medicare Replacement | $179.95 | ↓ -93% |
| Primewest | Medicare Replacement | $183.44 | ↓ -93% |
| Ucare | Medicaid Managed Care | $186.92 | ↓ -93% |
| Primewest | Medicaid Managed Care | $195.82 | ↓ -92% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $649.59 | ↓ -74% |
| Sanford Health Plan | SD Exchange True | $1,444.57 | ↓ -43% |
| Sanford Health Plan | Group Health/True | $1,647.13 | ↓ -35% |
| Sanford Health Plan | SD Exchange Commercial | $1,699.44 | ↓ -33% |
| Security Health Plan | Commercial | $1,743.50 | ↓ -31% |
| Sanford Health Plan | Commercial | $1,937.82 | ↓ -24% |
| Health Partners | Commercial | $2,219.00 | ↓ -13% |
| Ucare | Commercial | $2,228.19 | ↓ -12% |
| United Healthcare | CSP Top 20 | $2,412.37 | ↓ -5% |
| Aetna | Commercial | $2,599.40 | ↑ +3% |
| United Healthcare | Commercial | $2,646.95 | ↑ +4% |
| Medica | Choice | $2,662.80 | ↑ +5% |
| Medica | Elect | $2,849.83 | ↑ +12% |
| Cigna | Commercial | $2,853.00 | ↑ +13% |
| First Choice Health Network | Commercial | $2,853.00 | ↑ +13% |
| Healthez | Commercial | $2,853.00 | ↑ +13% |
| Multiplan | Commercial | $2,853.00 | ↑ +13% |
Visitor-reported prices
Comments
Sinus CT scan (with and without contrast) at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Canby Medical Center | Canby | $2,612.80 | $186.92 – $2,939.40 |
| Sanford Westbrook Hospital | Westbrook | $3,016.00 | $186.92 – $3,393.00 |
| Sanford Wheaton | Wheaton | $2,821.60 | $186.92 – $3,174.30 |
| Sanford Luverne Medical Center | Luverne | $2,814.40 | $186.92 – $3,166.20 |
| Sanford Worthington Medical Center | Worthington | $2,745.60 | $135.41 – $3,088.80 |
| Sanford Thief River Falls Medical Center | Thief River Falls | $2,638.40 | $186.92 – $2,968.20 |
| Sanford Tracy Hospital | Tracy | $3,016.00 | $186.92 – $3,393.00 |
| Sanford Behavioral Health Thief River Falls | Thief River Falls | $2,638.40 | $186.92 – $2,968.20 |