Hdr rdncl ntrstl/icav brchtx at Clara Maass Medical Center
1 Clara Maass Dr, Belleville, NJ · RWJBarnabas Health · · NPI 1902901333
$842.93
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.
$4,238.00
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.
$539.92 with United Healthcare vs $4,045.59 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 | Community Plan | $539.92 | ↓ -36% |
| Fidelis Care | NJ Family Care | $550.09 | ↓ -35% |
| Aetna | Better Health | $591.20 | ↓ -30% |
| Aetna | Medicare | $778.40 | ↓ -8% |
| Horizon Blue Cross Blue Shield of New Jersey | Medicare Advantage | $778.40 | ↓ -8% |
| Clover Health | Medicare Advantage | $778.40 | ↓ -8% |
| Wellpoint | Medicare Advantage | $778.40 | ↓ -8% |
| Humana | Medicare | $778.40 | ↓ -8% |
| Fidelis Care | Medicare Advantage | $778.40 | ↓ -8% |
| United Healthcare | Medicare | $793.97 | ↓ -6% |
| Horizon Blue Cross Blue Shield of New Jersey | NJ Health | $874.00 | ↑ +4% |
| Emblem Health | Commercial | $1,362.20 | ↑ +62% |
| Cigna | Local Plus | $1,440.00 | ↑ +71% |
| Wellcare | Ambetter Health Commercial | $1,549.02 | ↑ +84% |
| Horizon Blue Cross Blue Shield of New Jersey | Omnia | $1,782.92 | ↑ +112% |
| Cigna | HMO | $1,830.00 | ↑ +117% |
| Cigna | PPO | $1,927.00 | ↑ +129% |
| Horizon Blue Cross Blue Shield of New Jersey | State Benefit Plan | $2,214.77 | ↑ +163% |
| Horizon Blue Cross Blue Shield of New Jersey | Managed | $2,269.44 | ↑ +169% |
| Horizon Blue Cross Blue Shield of New Jersey | Non-Managed | $2,340.22 | ↑ +178% |
| Wellpoint | NJ Family Care | $2,415.66 | ↑ +187% |
| First Health | Commercial | $2,542.80 | ↑ +202% |
| United Healthcare | Nexus | $2,568.00 | ↑ +205% |
| United Healthcare | Oxford Metro | $2,568.00 | ↑ +205% |
| Amerihealth | Local Value | $2,663.00 | ↑ +216% |
| Amerihealth | Regional Preferred | $2,663.00 | ↑ +216% |
| United Healthcare | Oxford Commercial | $3,021.00 | ↑ +258% |
| United Healthcare | Commercial | $3,021.00 | ↑ +258% |
| Qualcare Inc | HMO/POS | $3,254.78 | ↑ +286% |
| Qualcare Inc | PPO/WC | $3,470.92 | ↑ +312% |
| Aetna | PPO | $3,679.73 | ↑ +337% |
| Aetna | HMO | $3,679.73 | ↑ +337% |
| Horizon Blue Cross Blue Shield of New Jersey | Worker's Comp | $3,719.69 | ↑ +341% |
| Horizon Blue Cross Blue Shield of New Jersey | PIP | $4,045.59 | ↑ +380% |
Visitor-reported prices
Comments
Hdr rdncl ntrstl/icav brchtx at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Trinitas Regional Medical Center | Elizabeth | $1,536.51 | $314.80 – $2,530.57 |
| Cooperman Barnabas Medical Center | Livingston | $2,062.84 | $778.40 – $2,790.00 |
| Community Medical Center | Toms River | $1,697.77 | $758.25 – $2,661.00 |
| Newark Beth Israel Medical Center | Newark | $2,027.80 | $324.06 – $2,663.00 |
| Monmouth Medical Center | Long Branch | $1,791.09 | $767.95 – $1,715.00 |
| Bayshore Medical Center | Holmdel | $767.95 | $767.95 – $2,774.00 |
| Hackensack University Medical Center | Hackensack | $817.07 | $494.49 – $3,250.00 |
| Ocean University Medical Center | Brick | $758.25 | $293.00 – $2,630.00 |