Observation per hour at United Hospital
333 Smith Ave N. St. Paul, MN | 1175 Nininger Road. Hastings, MN · Allinahealth · · NPI 1457319485
$91.20
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.
$190.00
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.
$32.67 with blue cross blue shield of minnesota vs $190.00 with all other contracted care (a b c d e g h n o r s u) — 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 | bc pmap (amu) | $32.67 | ↓ -64% |
| ucare pmap (a b c d e g n o s u r h) | ucare pmap (abdmnorsuv) | $38.23 | ↓ -58% |
| medica pmap (um) | medica pmap (um) | $42.18 | ↓ -54% |
| aetna | aetna elevate (amu) | $66.97 | ↓ -27% |
| aetna | aetna performance (amu) | $71.25 | ↓ -22% |
| blue cross blue shield of minnesota | bc state health plan (mu) | $74.57 | ↓ -18% |
| blue cross blue shield of minnesota | bc premier (m u) | $79.18 | ↓ -13% |
| medica dual solutions (a u) | medica dual solutions (a u) | $84.36 | ↓ -8% |
| blue cross | allina health blueprint (mu) | $85.26 | ↓ -7% |
| bcbs | bc aehp (mu) | $93.15 | ↑ +2% |
| blue cross blue shield of minnesota | bc high value/performance network (mu) | $99.99 | ↑ +10% |
| aetna direct network | aetna direct network (amu) | $103.82 | ↑ +14% |
| blue cross blue shield of minnesota | bc aware/blue plus (m u) | $105.25 | ↑ +15% |
| united healthcare (um) | united healthcare (um) | $114.95 | ↑ +26% |
| americas ppo (araz)(a m u) | americas ppo (araz)(a m u) | $127.15 | ↑ +39% |
| medica ubh (u) | medica ubh (u) | $133.00 | ↑ +46% |
| americas ppo (araz) | americas ppo (araz) (a c m u) | $140.60 | ↑ +54% |
| medica health system | medica elect (u m) | $141.09 | ↑ +55% |
| medica | medica essentials (u m) | $147.31 | ↑ +62% |
| medica mhps | medica mhps (u m) | $147.31 | ↑ +62% |
| medica ubh pmap | medica ubh pmap (u) | $152.00 | ↑ +67% |
| medica health system | medica choice (u m) | $155.04 | ↑ +70% |
| first health (a c e g h u b d n o r s) | first health (abdmnosurv) | $159.60 | ↑ +75% |
| all other contracted care (a b c d e g h n o r s u) | all other contracted care (a b c d m h n o r s u v) | $190.00 | ↑ +108% |
Visitor-reported prices
Comments
Observation per hour at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Canby Medical Center | Canby | $70.40 | $21.30 – $79.20 |
| Sanford Westbrook Hospital | Westbrook | $60.00 | $18.16 – $67.50 |
| Sanford Bagley Medical Center | Bagley | $76.80 | $23.24 – $86.40 |
| Sanford Wheaton | Wheaton | $52.80 | $15.98 – $59.40 |
| Sanford Luverne Medical Center | Luverne | $68.00 | $20.58 – $76.50 |
| Sanford Bemidji Medical Center | Bemidji | $168.00 | $1.02 – $86.40 |
| Sanford Worthington Medical Center | Worthington | $76.00 | $1.00 – $85.50 |
| Sanford Tracy Hospital | Tracy | $60.00 | $18.16 – $67.50 |