Sodium chloride 0.9 % IV bolus at Sanford Luverne Medical Center
1600 N Kniss Ave, Luverne, MN · Sanford Health · · NPI 1497703045
$70.79
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.
$88.48
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.
$14.28 with Blue Cross Blue Shield of Minnesota vs $55.80 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 | $14.28 | ↓ -80% |
| Sanford Health Plan Align | Medicare Replacement | $20.76 | ↓ -71% |
| Ucare | Medicare Replacement | $22.24 | ↓ -69% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $22.48 | ↓ -68% |
| Health Partners | Medicare Replacement | $22.48 | ↓ -68% |
| Aetna | Medicare Replacement | $22.48 | ↓ -68% |
| United Healthcare | Medicare Replacement | $22.48 | ↓ -68% |
| Great Plains Medicare Advantage | Medicare Replacement | $22.48 | ↓ -68% |
| Primewest | Medicare Replacement | $22.92 | ↓ -68% |
| Primewest | Medicaid Managed Care | $27.90 | ↓ -61% |
| Sanford Health Plan | Group Health/True | $31.61 | ↓ -55% |
| Sanford Health Plan | SD Exchange True | $31.61 | ↓ -55% |
| Security Health Plan | Commercial | $32.44 | ↓ -54% |
| Sanford Health Plan | SD Exchange Commercial | $37.18 | ↓ -47% |
| Sanford Health Plan | Commercial/ND Pers | $37.18 | ↓ -47% |
| Health Partners | State Employees | $40.64 | ↓ -43% |
| Health Partners | Commercial | $47.19 | ↓ -33% |
| Blue Cross Blue Shield of Minnesota | State Employees | $48.25 | ↓ -32% |
| United Healthcare | Commercial + Top 20 | $49.26 | ↓ -30% |
| Aetna | Commercial | $51.26 | ↓ -28% |
| Ucare | Commercial | $51.83 | ↓ -27% |
| Medica | Choice | $51.85 | ↓ -27% |
| Multiplan | Commercial | $53.09 | ↓ -25% |
| Healthez | Commercial | $53.09 | ↓ -25% |
| First Choice Health Network | Commercial | $53.09 | ↓ -25% |
| Cigna | Commercial | $53.09 | ↓ -25% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $54.58 | ↓ -23% |
| Medica | Elect | $55.80 | ↓ -21% |
| Ucare | Medicaid Managed Care | not published by hospital | — |
Visitor-reported prices
Comments
Sodium chloride 0.9 % IV bolus at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Canby Medical Center | Canby | $194.40 | $19.61 – $72.90 |
| Sanford Westbrook Hospital | Westbrook | $80.00 | $18.16 – $67.50 |
| Sanford Bagley Medical Center | Bagley | $48.00 | $3.93 – $14.63 |
| Sanford Wheaton | Wheaton | $40.00 | $6.05 – $22.50 |
| Sanford Bemidji Medical Center | Bemidji | $15.60 | $1.02 – $14.85 |
| Sanford Worthington Medical Center | Worthington | $75.59 | $1.00 – $39.89 |
| Sanford Tracy Hospital | Tracy | $80.00 | $18.16 – $67.50 |
| United Hospital | MN | 1175 Nininger Road. Hastings | $40.03 | $1.26 – $2.02 |