St analysis behavior qualitative voice/resonance at Sanford Thief River Falls Medical Center
3001 Sanford Pkwy, Thief River Falls, MN · Sanford Health · · NPI 1043218753
$407.20
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.
$509.00
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.
$174.84 with Blue Cross Blue Shield of Minnesota vs $478.46 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 | $174.84 | ↓ -57% |
| Sanford Health Plan Align | Medicare Replacement | $193.42 | ↓ -53% |
| Ucare | Medicare Replacement | $207.67 | ↓ -49% |
| Blue Cross Blue Shield of Minnesota | Medicare Replacement | $209.71 | ↓ -48% |
| United Healthcare | Medicare Replacement | $209.71 | ↓ -48% |
| Aetna | Medicare Replacement | $209.71 | ↓ -48% |
| Great Plains Medicare Advantage | Medicare Replacement | $209.71 | ↓ -48% |
| Health Partners | Medicare Replacement | $209.71 | ↓ -48% |
| Primewest | Medicare Replacement | $213.78 | ↓ -48% |
| Sanford Health Plan | Group Health/TRUE | $272.72 | ↓ -33% |
| Sanford Health Plan | SD Exchange True | $272.72 | ↓ -33% |
| Security Health Plan | Commercial | $279.95 | ↓ -31% |
| Sanford Health Plan | Commercial/ND Pers | $320.82 | ↓ -21% |
| Sanford Health Plan | SD Exchange Commercial | $320.82 | ↓ -21% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $351.72 | ↓ -14% |
| Health Partners | Commercial | $412.29 | ↑ +1% |
| United Healthcare | Commercial + Top 20 | $425.02 | ↑ +4% |
| Aetna | Commercial | $442.32 | ↑ +9% |
| Ucare | Commercial | $447.21 | ↑ +10% |
| Medica | Choice | $447.41 | ↑ +10% |
| Cigna | Commercial | $458.10 | ↑ +13% |
| Multiplan | Commercial | $458.10 | ↑ +13% |
| Healthez | Commercial | $458.10 | ↑ +13% |
| First Choice Health Network | Commercial | $458.10 | ↑ +13% |
| Medica | Elect | $478.46 | ↑ +18% |
| Primewest | Medicaid Managed Care | not published by hospital | — |
| Ucare | Medicaid Managed Care | not published by hospital | — |
Visitor-reported prices
Comments
St analysis behavior qualitative voice/resonance at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Behavioral Health Thief River Falls | Thief River Falls | $407.20 | $174.84 – $458.10 |
| Sanford Canby Medical Center | Canby | $255.20 | $77.23 – $287.10 |
| Sanford Westbrook Hospital | Westbrook | $390.40 | $118.14 – $439.20 |
| Sanford Bagley Medical Center | Bagley | $376.00 | $113.79 – $423.00 |
| Sanford Wheaton | Wheaton | $248.00 | $75.05 – $279.00 |
| Sanford Luverne Medical Center | Luverne | $368.80 | $111.61 – $414.90 |
| Sanford Bemidji Medical Center | Bemidji | $376.00 | $101.35 – $423.00 |
| Sanford Worthington Medical Center | Worthington | $276.80 | $101.35 – $311.40 |