Echo stress at Clara Maass Medical Center
1 Clara Maass Dr, Belleville, NJ · RWJBarnabas Health · · NPI 1902901333
$536.63
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.
$2,698.00
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.
$231.24 with Horizon Blue Cross Blue Shield of New Jersey vs $2,341.63 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 |
|---|---|---|---|
| Horizon Blue Cross Blue Shield of New Jersey | Managed | $231.24 | ↓ -57% |
| Horizon Blue Cross Blue Shield of New Jersey | State Benefit Plan | $231.24 | ↓ -57% |
| Horizon Blue Cross Blue Shield of New Jersey | Omnia | $231.24 | ↓ -57% |
| Horizon Blue Cross Blue Shield of New Jersey | Non-Managed | $231.24 | ↓ -57% |
| United Healthcare | Community Plan | $312.51 | ↓ -42% |
| Fidelis Care | NJ Family Care | $318.39 | ↓ -41% |
| Aetna | Better Health | $342.19 | ↓ -36% |
| Clover Health | Medicare Advantage | $615.15 | ↑ +15% |
| Humana | Medicare | $615.15 | ↑ +15% |
| Aetna | Medicare | $615.15 | ↑ +15% |
| Horizon Blue Cross Blue Shield of New Jersey | Medicare Advantage | $615.15 | ↑ +15% |
| Wellpoint | Medicare Advantage | $615.15 | ↑ +15% |
| Fidelis Care | Medicare Advantage | $615.15 | ↑ +15% |
| United Healthcare | Medicare | $627.45 | ↑ +17% |
| United Healthcare | Nexus | $719.00 | ↑ +34% |
| United Healthcare | Oxford Metro | $719.00 | ↑ +34% |
| Horizon Blue Cross Blue Shield of New Jersey | NJ Health | $816.72 | ↑ +52% |
| United Healthcare | Oxford Commercial | $846.00 | ↑ +58% |
| United Healthcare | Commercial | $846.00 | ↑ +58% |
| Emblem Health | Commercial | $1,076.51 | ↑ +101% |
| Wellcare | Ambetter Health Commercial | $1,224.15 | ↑ +128% |
| Cigna | Local Plus | $1,291.01 | ↑ +141% |
| Wellpoint | NJ Family Care | $1,398.21 | ↑ +161% |
| Aetna | HMO | $1,447.27 | ↑ +170% |
| Aetna | PPO | $1,447.27 | ↑ +170% |
| First Health | Commercial | $1,471.80 | ↑ +174% |
| Cigna | HMO | $1,640.56 | ↑ +206% |
| Cigna | PPO | $1,727.89 | ↑ +222% |
| Amerihealth | Local Value | $1,848.09 | ↑ +244% |
| Amerihealth | Regional Preferred | $1,848.09 | ↑ +244% |
| Qualcare Inc | HMO/POS | $1,883.90 | ↑ +251% |
| Qualcare Inc | PPO/WC | $2,009.00 | ↑ +274% |
| Horizon Blue Cross Blue Shield of New Jersey | Worker's Comp | $2,152.99 | ↑ +301% |
| Horizon Blue Cross Blue Shield of New Jersey | PIP | $2,341.63 | ↑ +336% |
Visitor-reported prices
Comments
Echo stress at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Trinitas Regional Medical Center | Elizabeth | $478.07 | $96.03 – $1,198.46 |
| Cooperman Barnabas Medical Center | Livingston | $539.70 | $231.24 – $1,230.30 |
| Community Medical Center | Toms River | $528.24 | $231.24 – $1,192.47 |
| Newark Beth Israel Medical Center | Newark | $530.54 | $98.86 – $1,230.30 |
| Jersey City Medical Center | Jersey City | $529.26 | $124.28 – $1,284.96 |
| Monmouth Medical Center | Long Branch | $557.28 | $308.32 – $1,207.71 |
| Bayshore Medical Center | Holmdel | $606.89 | $606.89 – $2,305.00 |
| Hackensack University Medical Center | Hackensack | $645.71 | $329.14 – $5,399.00 |