Exc ben+marg excep skin tag tal 2.1-3/>cm 11403 at Sanford Westbrook Hospital
920 Bell Ave, Westbrook, MN · Sanford Health · · NPI 1942253547
$1,119.20
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.
?
What you pay up front if you don't use insurance.
$1,399.00
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.
?
The hospital's undiscounted list price — almost no one pays this.
$338.70 with Blue Cross Blue Shield of Minnesota vs $1,315.06 with Medica — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 | $338.70 | ↓ -70% |
| Sanford Health Plan Align | Medicare Replacement | $598.77 | ↓ -47% |
| Wellmark SD | Medicare Replacement | $642.14 | ↓ -43% |
| Ucare | Medicare Replacement | $642.14 | ↓ -43% |
| United Healthcare | Medicare Replacement | $649.14 | ↓ -42% |
| Aetna | Medicare Replacement | $649.14 | ↓ -42% |
| Health Partners | Medicare Replacement | $649.14 | ↓ -42% |
| Great Plains Medicare Advantage | Medicare Replacement | $649.14 | ↓ -42% |
| Primewest | Medicare Replacement | $661.03 | ↓ -41% |
| Primewest | Medicaid Managed Care | $707.89 | ↓ -37% |
| Ucare | Medicaid Managed Care | $738.77 | ↓ -34% |
| Security Health Plan | Commercial | $769.45 | ↓ -31% |
| Health Partners | State Employees | $963.91 | ↓ -14% |
| Sanford Health Plan | Group Health/True | $1,104.37 | ↓ -1% |
| Sanford Health Plan | SD Exchange True | $1,104.37 | ↓ -1% |
| Health Partners | Commercial | $1,119.20 | ↑ +0% |
| Blue Cross Blue Shield of Minnesota | State Employees | $1,144.38 | ↑ +2% |
| United Healthcare | Commercial + Top 20 | $1,168.17 | ↑ +4% |
| Aetna | Commercial | $1,215.73 | ↑ +9% |
| Ucare | Commercial | $1,229.16 | ↑ +10% |
| Medica | Choice | $1,229.72 | ↑ +10% |
| Healthez | Commercial | $1,259.10 | ↑ +13% |
| Cigna | Commercial | $1,259.10 | ↑ +13% |
| Multiplan | Commercial | $1,259.10 | ↑ +13% |
| First Choice Health Network | Commercial | $1,259.10 | ↑ +13% |
| Blue Cross Blue Shield of Minnesota | Commercial/Federal | $1,294.35 | ↑ +16% |
| Sanford Health Plan | Commercial/ND Pers | $1,299.25 | ↑ +16% |
| Sanford Health Plan | SD Exchange Commercial | $1,299.25 | ↑ +16% |
| Medica | Elect | $1,315.06 | ↑ +18% |
Visitor-reported prices
Comments
Exc ben+marg excep skin tag tal 2.1-3/>cm 11403 at other Minnesota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Canby Medical Center | Canby | $2,555.20 | $738.77 – $2,874.60 |
| Sanford Bemidji Medical Center | Bemidji | $2,613.60 | $507.57 – $2,940.30 |
| Sanford Tracy Hospital | Tracy | $1,119.20 | $338.70 – $1,259.10 |
| Sanford Bagley Medical Center | Bagley | not published | $738.77 – $738.77 |
| Sanford Wheaton | Wheaton | not published | $738.77 – $738.77 |
| Sanford Luverne Medical Center | Luverne | not published | $738.77 – $738.77 |
| Sanford Worthington Medical Center | Worthington | not published | $518.54 – $725.03 |
| Sanford Thief River Falls Medical Center | Thief River Falls | not published | $738.77 – $738.77 |