Dch validity tests at Sanford Tracy Hospital
251 5th St E, Tracy, MN · Sanford Health · · NPI 1003851171
$42.40
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.
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What you pay up front if you don't use insurance.
$53.00
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.
$12.35 with Blue Cross Blue Shield of Minnesota vs $47.94 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 | $12.35 | ↓ -71% |
| Sanford Health Plan Align | Medicare Replacement | $19.89 | ↓ -53% |
| Ucare | Medicare Replacement | $21.32 | ↓ -50% |
| Wellmark SD | Medicare Replacement | $21.32 | ↓ -50% |
| Aetna | Medicare Replacement | $21.52 | ↓ -49% |
| United Healthcare | Medicare Replacement | $21.52 | ↓ -49% |
| Health Partners | Medicare Replacement | $21.52 | ↓ -49% |
| Great Plains Medicare Advantage | Medicare Replacement | $21.52 | ↓ -49% |
| Primewest | Medicare Replacement | $21.96 | ↓ -48% |
| Primewest | Medicaid Managed Care | $24.68 | ↓ -42% |
| Security Health Plan | Commercial | $28.05 | ↓ -34% |
| Health Partners | State Employees | $35.14 | ↓ -17% |
| Sanford Health Plan | SD Exchange True | $40.26 | ↓ -5% |
| Sanford Health Plan | Group Health/True | $40.26 | ↓ -5% |
| Health Partners | Commercial | $40.80 | ↓ -4% |
| Blue Cross Blue Shield of Minnesota | State Employees | $41.72 | ↓ -2% |
| United Healthcare | Commercial + Top 20 | $42.59 | ↑ +0% |
| Aetna | Commercial | $44.32 | ↑ +5% |
| Ucare | Commercial | $44.81 | ↑ +6% |
| Medica | Choice | $44.83 | ↑ +6% |
| Healthez | Commercial | $45.90 | ↑ +8% |
| Cigna | Commercial | $45.90 | ↑ +8% |
| Multiplan | Commercial | $45.90 | ↑ +8% |
| First Choice Health Network | Commercial | $45.90 | ↑ +8% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $47.19 | ↑ +11% |
| Sanford Health Plan | SD Exchange Commercial | $47.36 | ↑ +12% |
| Sanford Health Plan | Commercial/ND Pers | $47.36 | ↑ +12% |
| Medica | Elect | $47.94 | ↑ +13% |
| Ucare | Medicaid Managed Care | not published by hospital | — |
Visitor-reported prices
Comments
Dch validity tests at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Westbrook Hospital | Westbrook | $42.40 | $12.35 – $45.90 |
| Sanford Luverne Medical Center | Luverne | $19.20 | $2.91 – $10.80 |
| Sanford Bemidji Medical Center | Bemidji | not published | $3.31 – $3.65 |
| Sanford Worthington Medical Center | Worthington | not published | $3.31 – $3.65 |