Lead capillary at Sanford Luverne Medical Center
1600 N Kniss Ave, Luverne, MN · Sanford Health · · NPI 1497703045
$68.80
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.
$86.00
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.
$8.96 with Blue Cross Blue Shield of Minnesota vs $35.00 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 | $8.96 | ↓ -87% |
| Sanford Health Plan Align | Medicare Replacement | $13.02 | ↓ -81% |
| Ucare | Medicare Replacement | $13.95 | ↓ -80% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $14.10 | ↓ -80% |
| Health Partners | Medicare Replacement | $14.10 | ↓ -80% |
| Aetna | Medicare Replacement | $14.10 | ↓ -80% |
| United Healthcare | Medicare Replacement | $14.10 | ↓ -80% |
| Great Plains Medicare Advantage | Medicare Replacement | $14.10 | ↓ -80% |
| Primewest | Medicare Replacement | $14.37 | ↓ -79% |
| Primewest | Medicaid Managed Care | $17.50 | ↓ -75% |
| Sanford Health Plan | Group Health/True | $19.82 | ↓ -71% |
| Sanford Health Plan | SD Exchange True | $19.82 | ↓ -71% |
| Security Health Plan | Commercial | $20.35 | ↓ -70% |
| Sanford Health Plan | SD Exchange Commercial | $23.32 | ↓ -66% |
| Sanford Health Plan | Commercial/ND Pers | $23.32 | ↓ -66% |
| Health Partners | State Employees | $25.49 | ↓ -63% |
| Health Partners | Commercial | $29.60 | ↓ -57% |
| Blue Cross Blue Shield of Minnesota | State Employees | $30.27 | ↓ -56% |
| United Healthcare | Commercial + Top 20 | $30.90 | ↓ -55% |
| Aetna | Commercial | $32.15 | ↓ -53% |
| Ucare | Commercial | $32.51 | ↓ -53% |
| Medica | Choice | $32.52 | ↓ -53% |
| Multiplan | Commercial | $33.30 | ↓ -52% |
| Healthez | Commercial | $33.30 | ↓ -52% |
| First Choice Health Network | Commercial | $33.30 | ↓ -52% |
| Cigna | Commercial | $33.30 | ↓ -52% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $34.23 | ↓ -50% |
| Medica | Elect | $35.00 | ↓ -49% |
| Ucare | Medicaid Managed Care | not published by hospital | — |
Visitor-reported prices
Comments
Lead capillary at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Canby Medical Center | Canby | $122.40 | $9.20 – $34.20 |
| Sanford Westbrook Hospital | Westbrook | $128.80 | $7.99 – $29.70 |
| Sanford Wheaton | Wheaton | $68.00 | $8.96 – $33.30 |
| Sanford Tracy Hospital | Tracy | $128.80 | $7.99 – $29.70 |
| Sanford Thief River Falls Medical Center | Thief River Falls | $78.40 | $13.40 – $35.10 |
| Sanford Behavioral Health Thief River Falls | Thief River Falls | $78.40 | $13.40 – $35.10 |
| United Hospital | MN | 1175 Nininger Road. Hastings | $38.30 | $9.62 – $27.31 |
| Owatonna Hospital | Owatonna | $44.69 | $11.28 – $34.42 |