Dch validity tests at Clara Maass Medical Center
1 Clara Maass Dr, Belleville, NJ · RWJBarnabas Health · · NPI 1902901333
$3.83
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.
$43.00
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.
$1.64 with United Healthcare vs $41.04 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 | Nexus | $1.64 | ↓ -57% |
| Horizon Blue Cross Blue Shield of New Jersey | NJ Health | $1.64 | ↓ -57% |
| United Healthcare | Oxford Metro | $1.64 | ↓ -57% |
| United Healthcare | Oxford Commercial | $1.91 | ↓ -50% |
| United Healthcare | Commercial | $1.91 | ↓ -50% |
| United Healthcare | Community Plan | $2.92 | ↓ -24% |
| Fidelis Care | NJ Family Care | $2.97 | ↓ -22% |
| Horizon Blue Cross Blue Shield of New Jersey | Medicare Advantage | $3.48 | ↓ -9% |
| Horizon Blue Cross Blue Shield of New Jersey | Managed | $3.48 | ↓ -9% |
| Aetna | Medicare | $3.48 | ↓ -9% |
| Horizon Blue Cross Blue Shield of New Jersey | State Benefit Plan | $3.48 | ↓ -9% |
| Humana | Medicare | $3.48 | ↓ -9% |
| Wellpoint | Medicare Advantage | $3.48 | ↓ -9% |
| Horizon Blue Cross Blue Shield of New Jersey | Omnia | $3.48 | ↓ -9% |
| Clover Health | Medicare Advantage | $3.48 | ↓ -9% |
| Fidelis Care | Medicare Advantage | $3.48 | ↓ -9% |
| Horizon Blue Cross Blue Shield of New Jersey | Non-Managed | $3.48 | ↓ -9% |
| United Healthcare | Medicare | $3.55 | ↓ -7% |
| Aetna | HMO | $4.28 | ↑ +12% |
| Aetna | PPO | $4.28 | ↑ +12% |
| Aetna | Better Health | $5.99 | ↑ +56% |
| Emblem Health | Commercial | $6.09 | ↑ +59% |
| Wellcare | Ambetter Health Commercial | $6.93 | ↑ +81% |
| Amerihealth | Regional Preferred | $9.65 | ↑ +152% |
| Amerihealth | Local Value | $9.65 | ↑ +152% |
| Cigna | Local Plus | $14.69 | ↑ +284% |
| Cigna | PPO | $14.69 | ↑ +284% |
| Cigna | HMO | $14.69 | ↑ +284% |
| Wellpoint | NJ Family Care | $24.51 | ↑ +540% |
| First Health | Commercial | $25.80 | ↑ +574% |
| Qualcare Inc | HMO/POS | $33.02 | ↑ +762% |
| Qualcare Inc | PPO/WC | $35.21 | ↑ +819% |
| Horizon Blue Cross Blue Shield of New Jersey | Worker's Comp | $37.74 | ↑ +885% |
| Horizon Blue Cross Blue Shield of New Jersey | PIP | $41.04 | ↑ +972% |
Visitor-reported prices
Comments
Dch validity tests at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Trinitas Regional Medical Center | Elizabeth | $3.83 | $1.64 – $15.22 |
| Cooperman Barnabas Medical Center | Livingston | $3.83 | $1.64 – $14.69 |
| Community Medical Center | Toms River | $3.83 | $1.64 – $14.69 |
| Childrens Specialized Hospital | Mountainside | $18.00 | $2.78 – $2.86 |
| Newark Beth Israel Medical Center | Newark | $3.83 | $1.64 – $14.69 |
| Jersey City Medical Center | Jersey City | $3.83 | $1.64 – $14.69 |
| Monmouth Medical Center | Long Branch | $3.83 | $1.64 – $14.69 |
| Bayshore Medical Center | Holmdel | $3.48 | $3.48 – $15.95 |