Evaluation psychiatric diagnostic at Sanford Luverne Medical Center
1600 N Kniss Ave, Luverne, MN · Sanford Health · · NPI 1497703045
$390.40
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.
$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.
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The hospital's undiscounted list price — almost no one pays this.
$99.75 with Blue Cross Blue Shield of Minnesota vs $389.75 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 | $99.75 | ↓ -74% |
| Sanford Health Plan Align | Medicare Replacement | $145.02 | ↓ -63% |
| Ucare | Medicare Replacement | $155.32 | ↓ -60% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $156.97 | ↓ -60% |
| United Healthcare | Medicare Replacement | $156.97 | ↓ -60% |
| Aetna | Medicare Replacement | $156.97 | ↓ -60% |
| Great Plains Medicare Advantage | Medicare Replacement | $156.97 | ↓ -60% |
| Health Partners | Medicare Replacement | $156.97 | ↓ -60% |
| Primewest | Medicare Replacement | $160.06 | ↓ -59% |
| Ucare | Medicaid Managed Care | $168.70 | ↓ -57% |
| Primewest | Medicaid Managed Care | $194.88 | ↓ -50% |
| Sanford Health Plan | SD Exchange True | $220.75 | ↓ -43% |
| Sanford Health Plan | Group Health/True | $220.75 | ↓ -43% |
| Security Health Plan | Commercial | $226.60 | ↓ -42% |
| Sanford Health Plan | SD Exchange Commercial | $259.68 | ↓ -33% |
| Sanford Health Plan | Commercial/ND Pers | $259.68 | ↓ -33% |
| Health Partners | State Employees | $283.87 | ↓ -27% |
| Health Partners | Commercial | $329.60 | ↓ -16% |
| Blue Cross Blue Shield of Minnesota | State Employees | $337.02 | ↓ -14% |
| United Healthcare | Commercial + Top 20 | $344.02 | ↓ -12% |
| Aetna | Commercial | $358.03 | ↓ -8% |
| Ucare | Commercial | $361.98 | ↓ -7% |
| Medica | Choice | $362.15 | ↓ -7% |
| Multiplan | Commercial | $370.80 | ↓ -5% |
| First Choice Health Network | Commercial | $370.80 | ↓ -5% |
| Cigna | Commercial | $370.80 | ↓ -5% |
| Healthez | Commercial | $370.80 | ↓ -5% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $381.18 | ↓ -2% |
| Medica | Elect | $389.75 | ↓ -0% |
Visitor-reported prices
Comments
Evaluation psychiatric diagnostic at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Wheaton | Wheaton | $332.80 | $100.71 – $374.40 |
| Sanford Thief River Falls Medical Center | Thief River Falls | $430.40 | $138.09 – $361.80 |
| Sanford Behavioral Health Thief River Falls | Thief River Falls | $430.40 | $138.09 – $361.80 |
| United Hospital | MN | 1175 Nininger Road. Hastings | $228.96 | $146.31 – $587.12 |
| Owatonna Hospital | Owatonna | $337.01 | $135.87 – $739.77 |
| Abbott Northwestern Hospital | MN 55407 | $228.96 | $146.31 – $402.25 |
| Allina Health Faribault Medical Center | Faribualt | $337.01 | $135.87 – $739.77 |
| Mercy Hospital | MN 55443 | 550 Osborne Road NE. Fridley | $228.96 | $146.31 – $206.82 |