healthcosts.net
ER Visit (level 2) at Sanford Luverne Medical Center
1600 N Kniss Ave, Luverne, MN · Sanford Health · · NPI 1497703045
$430.40
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.
$538.00
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.
$130.25 with Blue Cross Blue Shield of Minnesota vs $508.95 with Medica — 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 | $130.25 | ↓ -70% |
| Ucare | Medicaid Managed Care | $166.28 | ↓ -61% |
| Sanford Health Plan Align | Medicare Replacement | $189.38 | ↓ -56% |
| Ucare | Medicare Replacement | $202.83 | ↓ -53% |
| Aetna | Medicare Replacement | $204.98 | ↓ -52% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $204.98 | ↓ -52% |
| Great Plains Medicare Advantage | Medicare Replacement | $204.98 | ↓ -52% |
| Health Partners | Medicare Replacement | $204.98 | ↓ -52% |
| United Healthcare | Medicare Replacement | $204.98 | ↓ -52% |
| Primewest | Medicare Replacement | $209.01 | ↓ -51% |
| Primewest | Medicaid Managed Care | $254.47 | ↓ -41% |
| Sanford Health Plan | Group Health/True | $288.26 | ↓ -33% |
| Sanford Health Plan | SD Exchange True | $288.26 | ↓ -33% |
| Security Health Plan | Commercial | $295.90 | ↓ -31% |
| Sanford Health Plan | Commercial/ND Pers | $339.10 | ↓ -21% |
| Sanford Health Plan | SD Exchange Commercial | $339.10 | ↓ -21% |
| Health Partners | State Employees | $370.68 | ↓ -14% |
| Health Partners | Commercial | $430.40 | ↑ +0% |
| Blue Cross Blue Shield of Minnesota | State Employees | $440.08 | ↑ +2% |
| United Healthcare | Commercial + Top 20 | $449.23 | ↑ +4% |
| Aetna | Commercial | $467.52 | ↑ +9% |
| Ucare | Commercial | $472.69 | ↑ +10% |
| Medica | Choice | $472.90 | ↑ +10% |
| Cigna | Commercial | $484.20 | ↑ +13% |
| First Choice Health Network | Commercial | $484.20 | ↑ +13% |
| Healthez | Commercial | $484.20 | ↑ +13% |
| Multiplan | Commercial | $484.20 | ↑ +13% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $497.76 | ↑ +16% |
| Medica | Elect | $508.95 | ↑ +18% |
Visitor-reported prices
Comments
ER Visit (level 2) at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Canby Medical Center | Canby | $504.80 | $152.77 – $567.90 |
| Sanford Westbrook Hospital | Westbrook | $464.00 | $140.42 – $522.00 |
| Sanford Bagley Medical Center | Bagley | $501.60 | $151.80 – $564.30 |
| Sanford Wheaton | Wheaton | $372.00 | $112.58 – $418.50 |
| Sanford Bemidji Medical Center | Bemidji | $501.60 | $117.99 – $564.30 |
| Sanford Worthington Medical Center | Worthington | $432.80 | $120.54 – $486.90 |
| Sanford Tracy Hospital | Tracy | $464.00 | $140.42 – $522.00 |
| Sanford Thief River Falls Medical Center | Thief River Falls | $395.20 | $166.28 – $444.60 |