CMS Price Transparency Data

New patient office visit (30-44 min)

Facility: Essentia Health St Mary's Medical Center

Billing Code: 99203 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$118

about 1.0× the $118 Medicare rate · typically $73–$201

modeled estimate · not a bill or quote

What this hospital charges insurers

$146

Above the fair price

about $28 over the fair price · 1.2× Medicare

Medicare pays $118 Fair price $118 This hospital $146 Cash price $116 Hospital's list price $176

How we calculate the fair BaseRate →

How this hospital compares to other MN hospitals

Highest price of the 9 MN hospitals we have prices for — worth calling around.

Cheapest $68 Priciest $146

Black dot = this hospital, among the 9 MN hospitals with a price for this procedure. Full list below.

A fair price for a New patient office visit (30-44 min) is about $118 (about 1.0× the $118 Medicare rate). Essentia Health St Mary's Medical Center charges insurers about $146, or about $116 in cash — above the fair price. Located in Duluth, MN.

This price is above the fair BaseRate — you may be able to pay less

Ask the hospital for the cash / self-pay price, check whether you qualify for financial assistance, or negotiate the bill down toward the fair price of about $118. Many patients pay well below the first number they’re quoted — the checklists below walk you through it.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

4 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Cigna HumanaKaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$129	110%
Blue Cross Blue Shieldmajor	$78 - $146	66%
Aetnamajor	$150	128%
Cignamajor	$126	107%
HealthPartners	$70 - $126	60%
Medica	$58 - $108	49%
Sanford Health Plan	$75 - $79	64%
Security Health Plan	$136	116%
UCare	$116	99%
+ 4 smaller / regional plans	$78 - $151

Excludes 1 rental-network / third-party entry (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 116), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 99203.

Insurance Before you use insurance

Call your insurance company to confirm Essentia Health St Mary's Medical Center is in-network.
Ask your insurer whether prior approval is required for CPT code 99203.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at Essentia Health St Mary's Medical Center

Compare: New patient office visit (30-44 min) at other MN hospitals

Insurance negotiated median for the same procedure, sorted lowest first.