healthcosts.net
ER Visit (level 2) at Sanford Medical Center Bismarck
300 N 7th Street, Bismarck, ND · Sanford Health · · NPI 1538245634
$400.00
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.
$500.00
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.
$41.28 with Sanford Health Plan vs $450.00 with Multiplan — 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 |
|---|---|---|---|
| Sanford Health Plan | Commercial/ND Pers | $41.28 | ↓ -90% |
| Sanford Health Plan | Group Health/True | $41.28 | ↓ -90% |
| Sanford Health Plan | SD Exchange Commercial | $41.28 | ↓ -90% |
| Sanford Health Plan | SD Exchange True | $41.28 | ↓ -90% |
| Sanford Health Plan Align | Medicare Replacement | $150.44 | ↓ -62% |
| Ucare | Medicare Replacement | $161.53 | ↓ -60% |
| Aetna | Medicare Replacement | $163.11 | ↓ -59% |
| Blue Cross Blue Shield of North Dakota | Medicare Replacement | $163.11 | ↓ -59% |
| Great Plains Medicare Advantage | Medicare Replacement | $163.11 | ↓ -59% |
| Health Partners | Medicare Replacement | $163.11 | ↓ -59% |
| United Healthcare | Medicare Replacement | $163.11 | ↓ -59% |
| Primewest | Medicare Replacement | $166.28 | ↓ -58% |
| Health Partners | Commercial | $230.00 | ↓ -43% |
| Security Health Plan | Commercial | $275.00 | ↓ -31% |
| Medica | Choice | $340.50 | ↓ -15% |
| Ucare | Commercial | $351.45 | ↓ -12% |
| Medica | Elect | $364.50 | ↓ -9% |
| United Healthcare | CSP Top 20 | $365.00 | ↓ -9% |
| United Healthcare | Commercial | $415.00 | ↑ +4% |
| Aetna | Commercial | $423.00 | ↑ +6% |
| Cigna | Commercial | $450.00 | ↑ +13% |
| First Choice Health Network | Commercial | $450.00 | ↑ +13% |
| Healthez | Commercial | $450.00 | ↑ +13% |
| Multiplan | Commercial | $450.00 | ↑ +13% |
| Blue Cross Blue Shield of North Dakota | Commercial | not published by hospital | — |
Visitor-reported prices
Comments
ER Visit (level 2) at other North-dakota hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sanford Medical Center Hillsboro | Hillsboro | $395.20 | $119.60 – $444.60 |
| Sanford Medical Center Mayville | Mayville | $395.20 | $119.60 – $444.60 |
| Sanford Fargo Medical Center | Fargo | $503.20 | $41.28 – $566.10 |