ER Visit (level 1, minor) at Clara Maass Medical Center
1 Clara Maass Dr, Belleville, NJ · RWJBarnabas Health · · NPI 1902901333
$181.99
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.
$915.00
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.
$98.79 with Clover Health vs $2,072.00 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 |
|---|---|---|---|
| Clover Health | Medicare Advantage | $98.79 | ↓ -46% |
| Humana | Medicare | $98.79 | ↓ -46% |
| Horizon Blue Cross Blue Shield of New Jersey | Medicare Advantage | $98.79 | ↓ -46% |
| Fidelis Care | Medicare Advantage | $98.79 | ↓ -46% |
| Wellpoint | Medicare Advantage | $98.79 | ↓ -46% |
| Aetna | Medicare | $98.79 | ↓ -46% |
| United Healthcare | Medicare | $100.77 | ↓ -45% |
| United Healthcare | Community Plan | $116.57 | ↓ -36% |
| Fidelis Care | NJ Family Care | $118.76 | ↓ -35% |
| Aetna | Better Health | $127.64 | ↓ -30% |
| Horizon Blue Cross Blue Shield of New Jersey | NJ Health | $140.00 | ↓ -23% |
| Wellcare | Ambetter Health Commercial | $196.59 | ↑ +8% |
| Cigna | Local Plus | $315.00 | ↑ +73% |
| Emblem Health | Commercial | $345.00 | ↑ +90% |
| Cigna | HMO | $400.00 | ↑ +120% |
| Cigna | PPO | $421.00 | ↑ +131% |
| United Healthcare | Oxford Metro | $480.00 | ↑ +164% |
| First Health | Commercial | $549.00 | ↑ +202% |
| United Healthcare | Nexus | $564.00 | ↑ +210% |
| United Healthcare | Oxford Commercial | $565.00 | ↑ +210% |
| Aetna | HMO | $614.00 | ↑ +237% |
| Aetna | PPO | $614.00 | ↑ +237% |
| Wellpoint | NJ Family Care | $620.00 | ↑ +241% |
| United Healthcare | Commercial | $663.00 | ↑ +264% |
| Qualcare Inc | PPO/WC | $749.38 | ↑ +312% |
| Horizon Blue Cross Blue Shield of New Jersey | PIP | $873.45 | ↑ +380% |
| Horizon Blue Cross Blue Shield of New Jersey | Omnia | $1,107.00 | ↑ +508% |
| Horizon Blue Cross Blue Shield of New Jersey | Worker's Comp | $1,151.00 | ↑ +532% |
| Qualcare Inc | HMO/POS | $1,387.00 | ↑ +662% |
| Horizon Blue Cross Blue Shield of New Jersey | State Benefit Plan | $1,426.00 | ↑ +684% |
| Amerihealth | Local Value | $1,558.00 | ↑ +756% |
| Amerihealth | Regional Preferred | $1,751.00 | ↑ +862% |
| Horizon Blue Cross Blue Shield of New Jersey | Managed | $2,009.00 | ↑ +1004% |
| Horizon Blue Cross Blue Shield of New Jersey | Non-Managed | $2,072.00 | ↑ +1039% |
Visitor-reported prices
Comments
ER Visit (level 1, minor) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Trinitas Regional Medical Center | Elizabeth | $197.46 | $5.69 – $400.00 |
| Cooperman Barnabas Medical Center | Livingston | $222.91 | $98.79 – $1,387.00 |
| Community Medical Center | Toms River | $218.18 | $96.23 – $1,387.00 |
| Newark Beth Israel Medical Center | Newark | $219.13 | $5.86 – $1,387.00 |
| Jersey City Medical Center | Jersey City | $218.60 | $7.37 – $1,387.00 |
| Monmouth Medical Center | Long Branch | $230.17 | $97.46 – $1,387.00 |
| Bayshore Medical Center | Holmdel | $97.46 | $97.46 – $1,522.00 |
| Hackensack University Medical Center | Hackensack | $103.69 | $19.04 – $1,522.00 |