Consultation/report referred slides prepared elsewhere at Clara Maass Medical Center
1 Clara Maass Dr, Belleville, NJ · RWJBarnabas Health · · NPI 1902901333
$44.55
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.
$224.00
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.
$15.96 with United Healthcare vs $213.83 with Horizon Blue Cross Blue Shield of New Jersey — 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 |
|---|---|---|---|
| United Healthcare | Oxford Metro | $15.96 | ↓ -64% |
| United Healthcare | Nexus | $15.96 | ↓ -64% |
| United Healthcare | Oxford Commercial | $18.39 | ↓ -59% |
| United Healthcare | Commercial | $18.39 | ↓ -59% |
| Aetna | Better Health | $31.24 | ↓ -30% |
| Fidelis Care | Medicare Advantage | $44.04 | ↓ -1% |
| Clover Health | Medicare Advantage | $44.04 | ↓ -1% |
| Aetna | Medicare | $44.04 | ↓ -1% |
| Horizon Blue Cross Blue Shield of New Jersey | Medicare Advantage | $44.04 | ↓ -1% |
| Humana | Medicare | $44.04 | ↓ -1% |
| Wellpoint | Medicare Advantage | $44.04 | ↓ -1% |
| United Healthcare | Medicare | $44.92 | ↑ +1% |
| Horizon Blue Cross Blue Shield of New Jersey | NJ Health | $45.92 | ↑ +3% |
| Emblem Health | Commercial | $77.07 | ↑ +73% |
| Amerihealth | Local Value | $77.22 | ↑ +73% |
| Amerihealth | Regional Preferred | $77.22 | ↑ +73% |
| United Healthcare | Community Plan | $80.71 | ↑ +81% |
| Fidelis Care | NJ Family Care | $82.25 | ↑ +85% |
| Wellcare | Ambetter Health Commercial | $87.64 | ↑ +97% |
| Horizon Blue Cross Blue Shield of New Jersey | Managed | $104.78 | ↑ +135% |
| Horizon Blue Cross Blue Shield of New Jersey | Non-Managed | $104.78 | ↑ +135% |
| Horizon Blue Cross Blue Shield of New Jersey | Omnia | $104.78 | ↑ +135% |
| Horizon Blue Cross Blue Shield of New Jersey | State Benefit Plan | $104.78 | ↑ +135% |
| Wellpoint | NJ Family Care | $127.68 | ↑ +187% |
| Aetna | HMO | $127.83 | ↑ +187% |
| Aetna | PPO | $127.83 | ↑ +187% |
| First Health | Commercial | $134.40 | ↑ +202% |
| Qualcare Inc | HMO/POS | $172.03 | ↑ +286% |
| Cigna | Local Plus | $177.73 | ↑ +299% |
| Cigna | PPO | $177.73 | ↑ +299% |
| Cigna | HMO | $177.73 | ↑ +299% |
| Qualcare Inc | PPO/WC | $183.45 | ↑ +312% |
| Horizon Blue Cross Blue Shield of New Jersey | Worker's Comp | $196.60 | ↑ +341% |
| Horizon Blue Cross Blue Shield of New Jersey | PIP | $213.83 | ↑ +380% |
Visitor-reported prices
Comments
Consultation/report referred slides prepared elsewhere at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Cooperman Barnabas Medical Center | Livingston | $38.56 | $15.96 – $177.73 |
| Community Medical Center | Toms River | $129.21 | $15.96 – $177.73 |
| Newark Beth Israel Medical Center | Newark | $37.91 | $15.96 – $177.73 |
| Jersey City Medical Center | Jersey City | $129.45 | $15.96 – $177.73 |
| Monmouth Medical Center | Long Branch | $136.31 | $15.96 – $177.73 |
| Bayshore Medical Center | Holmdel | $43.44 | $43.44 – $69.46 |
| Hackensack University Medical Center | Hackensack | $46.22 | $36.98 – $149.86 |
| Ocean University Medical Center | Brick | $42.90 | $30.80 – $145.31 |