CMS Price Transparency Data

Blood transfusion

Facility: Sanford Bemidji Medical Center

Billing Code: 36430 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 36430
Insurance Median: $442
Cash Discount Price: $522
vs. Medicare Baseline: 0.98x Medicare

The contracted insurance negotiated median rate for a Blood transfusion at Sanford Bemidji Medical Center is $442. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $522. Compared to the federal Medicare reimbursement reference rate of $450.73, this hospital’s rate is 0.98x the Medicare baseline. Located in 1300 Anne St Nw, Bemidji, MN.

Cash / Self-Pay

$522

Average discount available for prompt cash payment at this facility.

Insurance Median

$442

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$450.73

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $450.73 (100%)

Cash / Self-Pay: $522 (116%)

Insurance Median: $442 (98%)

Cash: $522 (116% of Medicare)

Ins. Median: $442 (98% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $450.73 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Sanford Health Plan	$61 - $716	14%
Security Health Plan	$73 - $644	16%
Health Partners	$93 - $820	21%
Ucare	$93 - $823	21%
UnitedHealthcare	$101 - $978	22%
Aetna	$109 - $960	24%
Medica	$112 - $1,053	25%
Cigna	$120 - $1,054	27%
First Choice Health Network	$120 - $1,054	27%
Healthez	$120 - $1,054	27%
Multiplan	$120 - $1,054	27%
Blue Cross Blue Shield	$313 - $1,535	69%
Sanford Health Plan Align	$408	91%
Medicare (plans)	$442	98%
Primewest	$450 - $481	100%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $522.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 36430.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Sanford Bemidji Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 36430.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.