ER Visit (level 4) at Sanford Luverne Medical Center
1600 N Kniss Ave, Luverne, MN · Sanford Health · · NPI 1497703045
$1,190.40
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.
?
What you pay up front if you don't use insurance.
$1,488.00
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.
?
The hospital's undiscounted list price — almost no one pays this.
$360.24 with Blue Cross Blue Shield of Minnesota vs $1,407.65 with Medica — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 | $360.24 | ↓ -70% |
| Ucare | Medicaid Managed Care | $447.11 | ↓ -62% |
| Sanford Health Plan Align | Medicare Replacement | $523.78 | ↓ -56% |
| Ucare | Medicare Replacement | $560.98 | ↓ -53% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $566.93 | ↓ -52% |
| United Healthcare | Medicare Replacement | $566.93 | ↓ -52% |
| Great Plains Medicare Advantage | Medicare Replacement | $566.93 | ↓ -52% |
| Aetna | Medicare Replacement | $566.93 | ↓ -52% |
| Health Partners | Medicare Replacement | $566.93 | ↓ -52% |
| Primewest | Medicare Replacement | $578.09 | ↓ -51% |
| Primewest | Medicaid Managed Care | $703.82 | ↓ -41% |
| Sanford Health Plan | SD Exchange True | $797.27 | ↓ -33% |
| Sanford Health Plan | Group Health/True | $797.27 | ↓ -33% |
| Security Health Plan | Commercial | $818.40 | ↓ -31% |
| Sanford Health Plan | SD Exchange Commercial | $937.89 | ↓ -21% |
| Sanford Health Plan | Commercial/ND Pers | $937.89 | ↓ -21% |
| Health Partners | State Employees | $1,025.23 | ↓ -14% |
| Health Partners | Commercial | $1,190.40 | ↑ +0% |
| Blue Cross Blue Shield of Minnesota | State Employees | $1,217.18 | ↑ +2% |
| United Healthcare | Commercial + Top 20 | $1,242.48 | ↑ +4% |
| Aetna | Commercial | $1,293.07 | ↑ +9% |
| Ucare | Commercial | $1,307.36 | ↑ +10% |
| Medica | Choice | $1,307.95 | ↑ +10% |
| Multiplan | Commercial | $1,339.20 | ↑ +13% |
| First Choice Health Network | Commercial | $1,339.20 | ↑ +13% |
| Cigna | Commercial | $1,339.20 | ↑ +13% |
| Healthez | Commercial | $1,339.20 | ↑ +13% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $1,376.70 | ↑ +16% |
| Medica | Elect | $1,407.65 | ↑ +18% |
Visitor-reported prices
Comments
ER Visit (level 4) at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Canby Medical Center | Canby | $1,224.00 | $370.41 – $1,377.00 |
| Sanford Westbrook Hospital | Westbrook | $1,292.80 | $391.23 – $1,454.40 |
| Sanford Bagley Medical Center | Bagley | $1,411.20 | $427.06 – $1,587.60 |
| Sanford Wheaton | Wheaton | $957.60 | $289.79 – $1,077.30 |
| Sanford Bemidji Medical Center | Bemidji | $1,411.20 | $319.53 – $1,587.60 |
| Sanford Worthington Medical Center | Worthington | $880.00 | $326.43 – $990.00 |
| Sanford Tracy Hospital | Tracy | $1,292.80 | $391.23 – $1,454.40 |
| Sanford Thief River Falls Medical Center | Thief River Falls | $1,048.00 | $447.11 – $1,179.00 |