IV Fluids (first hour) at Sanford Luverne Medical Center
1600 N Kniss Ave, Luverne, MN · Sanford Health · · NPI 1497703045
$394.40
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.
$493.00
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.
$78.68 with Blue Cross Blue Shield of Minnesota vs $307.45 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 | $78.68 | ↓ -80% |
| Sanford Health Plan Align | Medicare Replacement | $114.40 | ↓ -71% |
| Ucare | Medicare Replacement | $122.53 | ↓ -69% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $123.83 | ↓ -69% |
| United Healthcare | Medicare Replacement | $123.83 | ↓ -69% |
| Aetna | Medicare Replacement | $123.83 | ↓ -69% |
| Health Partners | Medicare Replacement | $123.83 | ↓ -69% |
| Great Plains Medicare Advantage | Medicare Replacement | $123.83 | ↓ -69% |
| Primewest | Medicare Replacement | $126.26 | ↓ -68% |
| Primewest | Medicaid Managed Care | $153.73 | ↓ -61% |
| Sanford Health Plan | SD Exchange True | $174.14 | ↓ -56% |
| Sanford Health Plan | Group Health/True | $174.14 | ↓ -56% |
| Security Health Plan | Commercial | $178.75 | ↓ -55% |
| Sanford Health Plan | SD Exchange Commercial | $204.85 | ↓ -48% |
| Sanford Health Plan | Commercial/ND Pers | $204.85 | ↓ -48% |
| Ucare | Medicaid Managed Care | $221.22 | ↓ -44% |
| Health Partners | State Employees | $223.93 | ↓ -43% |
| Health Partners | Commercial | $260.00 | ↓ -34% |
| Blue Cross Blue Shield of Minnesota | State Employees | $265.85 | ↓ -33% |
| United Healthcare | Commercial + Top 20 | $271.38 | ↓ -31% |
| Aetna | Commercial | $282.43 | ↓ -28% |
| Ucare | Commercial | $285.55 | ↓ -28% |
| Medica | Choice | $285.68 | ↓ -28% |
| Multiplan | Commercial | $292.50 | ↓ -26% |
| First Choice Health Network | Commercial | $292.50 | ↓ -26% |
| Cigna | Commercial | $292.50 | ↓ -26% |
| Healthez | Commercial | $292.50 | ↓ -26% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $300.69 | ↓ -24% |
| Medica | Elect | $307.45 | ↓ -22% |
Visitor-reported prices
Comments
IV Fluids (first hour) at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Canby Medical Center | Canby | $632.80 | $191.50 – $711.90 |
| Sanford Westbrook Hospital | Westbrook | $596.80 | $180.61 – $671.40 |
| Sanford Bagley Medical Center | Bagley | $541.60 | $163.90 – $609.30 |
| Sanford Wheaton | Wheaton | $382.40 | $115.72 – $430.20 |
| Sanford Bemidji Medical Center | Bemidji | $541.60 | $66.53 – $217.11 |
| Sanford Worthington Medical Center | Worthington | $440.80 | $128.72 – $298.80 |
| Sanford Tracy Hospital | Tracy | $596.80 | $180.61 – $671.40 |
| Sanford Thief River Falls Medical Center | Thief River Falls | $342.40 | $128.81 – $337.50 |