Ins/rpl pm w/tv ld atrl at Clara Maass Medical Center
1 Clara Maass Dr, Belleville, NJ · RWJBarnabas Health · · NPI 1902901333
$3,986.00
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.
$13,558.00
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.
$672.40 with Horizon Blue Cross Blue Shield of New Jersey vs $45,379.00 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 |
|---|---|---|---|
| Horizon Blue Cross Blue Shield of New Jersey | NJ Health | $672.40 | ↓ -83% |
| United Healthcare | Community Plan | $1,727.28 | ↓ -57% |
| Fidelis Care | NJ Family Care | $1,759.82 | ↓ -56% |
| Aetna | Better Health | $1,891.34 | ↓ -53% |
| Wellpoint | NJ Family Care | $3,266.00 | ↓ -18% |
| United Healthcare | Oxford Metro | $7,690.00 | ↑ +93% |
| First Health | Commercial | $8,134.80 | ↑ +104% |
| United Healthcare | Nexus | $9,026.00 | ↑ +126% |
| United Healthcare | Oxford Commercial | $9,047.00 | ↑ +127% |
| Aetna | PPO | $9,446.00 | ↑ +137% |
| Aetna | HMO | $9,446.00 | ↑ +137% |
| United Healthcare | Commercial | $10,619.00 | ↑ +166% |
| Fidelis Care | Medicare Advantage | $11,741.26 | ↑ +195% |
| Wellpoint | Medicare Advantage | $11,741.26 | ↑ +195% |
| Humana | Medicare | $11,741.26 | ↑ +195% |
| Horizon Blue Cross Blue Shield of New Jersey | Medicare Advantage | $11,741.26 | ↑ +195% |
| Aetna | Medicare | $11,741.26 | ↑ +195% |
| Clover Health | Medicare Advantage | $11,741.26 | ↑ +195% |
| United Healthcare | Medicare | $11,976.09 | ↑ +200% |
| Cigna | Local Plus | $19,204.00 | ↑ +382% |
| Emblem Health | Commercial | $20,547.21 | ↑ +415% |
| Horizon Blue Cross Blue Shield of New Jersey | PIP | $21,036.00 | ↑ +428% |
| Horizon Blue Cross Blue Shield of New Jersey | Worker's Comp | $21,036.00 | ↑ +428% |
| Wellcare | Ambetter Health Commercial | $23,365.11 | ↑ +486% |
| Cigna | HMO | $24,402.00 | ↑ +512% |
| Cigna | PPO | $25,701.00 | ↑ +545% |
| Horizon Blue Cross Blue Shield of New Jersey | Omnia | $33,223.00 | ↑ +733% |
| Horizon Blue Cross Blue Shield of New Jersey | State Benefit Plan | $42,758.00 | ↑ +973% |
| Horizon Blue Cross Blue Shield of New Jersey | Managed | $44,005.00 | ↑ +1004% |
| Horizon Blue Cross Blue Shield of New Jersey | Non-Managed | $45,379.00 | ↑ +1038% |
| Amerihealth | Local Value | not published by hospital | — |
| Amerihealth | Regional Preferred | not published by hospital | — |
| Qualcare Inc | HMO/POS | not published by hospital | — |
| Qualcare Inc | PPO/WC | not published by hospital | — |
Visitor-reported prices
Comments
Ins/rpl pm w/tv ld atrl at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Trinitas Regional Medical Center | Elizabeth | $5,855.00 | $227.10 – $22,874.70 |
| Cooperman Barnabas Medical Center | Livingston | $6,839.00 | $680.60 – $23,482.52 |
| Community Medical Center | Toms River | $3,786.00 | $697.00 – $22,760.33 |
| Newark Beth Israel Medical Center | Newark | $4,881.00 | $233.78 – $23,482.52 |
| Jersey City Medical Center | Jersey City | $5,339.00 | $293.90 – $24,525.95 |
| Monmouth Medical Center | Long Branch | $5,419.00 | $1,344.80 – $23,051.48 |
| Bayshore Medical Center | Holmdel | $11,583.66 | $11,583.66 – $13,900.39 |
| Hackensack University Medical Center | Hackensack | $12,324.60 | $949.17 – $12,940.83 |