Lower Back (Lumbar Spine) CT scan (without contrast) at Clara Maass Medical Center
1 Clara Maass Dr, Belleville, NJ · RWJBarnabas Health · · NPI 1902901333
$732.15
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.
?
What you pay up front if you don't use insurance.
$3,681.00
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.
?
The hospital's undiscounted list price — almost no one pays this.
$119.31 with Humana vs $3,513.88 with Horizon Blue Cross Blue Shield of New Jersey — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 |
|---|---|---|---|
| Humana | Medicare | $119.31 | ↓ -84% |
| Fidelis Care | Medicare Advantage | $119.31 | ↓ -84% |
| Clover Health | Medicare Advantage | $119.31 | ↓ -84% |
| Aetna | Medicare | $119.31 | ↓ -84% |
| Wellpoint | Medicare Advantage | $119.31 | ↓ -84% |
| Horizon Blue Cross Blue Shield of New Jersey | Medicare Advantage | $119.31 | ↓ -84% |
| United Healthcare | Medicare | $121.70 | ↓ -83% |
| United Healthcare | Oxford Metro | $143.22 | ↓ -80% |
| United Healthcare | Nexus | $143.22 | ↓ -80% |
| United Healthcare | Oxford Commercial | $177.09 | ↓ -76% |
| United Healthcare | Commercial | $177.09 | ↓ -76% |
| Emblem Health | Commercial | $208.79 | ↓ -71% |
| Cigna | Local Plus | $221.00 | ↓ -70% |
| Aetna | PPO | $236.78 | ↓ -68% |
| Aetna | HMO | $236.78 | ↓ -68% |
| Wellcare | Ambetter Health Commercial | $237.43 | ↓ -68% |
| Horizon Blue Cross Blue Shield of New Jersey | NJ Health | $239.39 | ↓ -67% |
| Cigna | HMO | $281.00 | ↓ -62% |
| Cigna | PPO | $296.00 | ↓ -60% |
| Horizon Blue Cross Blue Shield of New Jersey | Non-Managed | $356.87 | ↓ -51% |
| Horizon Blue Cross Blue Shield of New Jersey | Managed | $356.87 | ↓ -51% |
| Horizon Blue Cross Blue Shield of New Jersey | State Benefit Plan | $356.87 | ↓ -51% |
| Horizon Blue Cross Blue Shield of New Jersey | Omnia | $356.87 | ↓ -51% |
| Amerihealth | Local Value | $388.15 | ↓ -47% |
| Amerihealth | Regional Preferred | $388.15 | ↓ -47% |
| United Healthcare | Community Plan | $468.95 | ↓ -36% |
| Fidelis Care | NJ Family Care | $477.79 | ↓ -35% |
| Aetna | Better Health | $513.49 | ↓ -30% |
| Qualcare Inc | HMO/POS | $726.00 | ↓ -1% |
| Qualcare Inc | PPO/WC | $759.00 | ↑ +4% |
| Wellpoint | NJ Family Care | $2,098.17 | ↑ +187% |
| First Health | Commercial | $2,208.60 | ↑ +202% |
| Horizon Blue Cross Blue Shield of New Jersey | Worker's Comp | $3,230.81 | ↑ +341% |
| Horizon Blue Cross Blue Shield of New Jersey | PIP | $3,513.88 | ↑ +380% |
Visitor-reported prices
Comments
Lower Back (Lumbar Spine) CT scan (without contrast) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Trinitas Regional Medical Center | Elizabeth | $392.85 | $68.62 – $522.66 |
| Cooperman Barnabas Medical Center | Livingston | $506.01 | $119.31 – $726.00 |
| Community Medical Center | Toms River | $434.08 | $116.22 – $726.00 |
| Newark Beth Israel Medical Center | Newark | $497.42 | $70.63 – $726.00 |
| Jersey City Medical Center | Jersey City | $434.92 | $88.80 – $704.00 |
| Monmouth Medical Center | Long Branch | $457.94 | $117.70 – $726.00 |
| Bayshore Medical Center | Holmdel | $117.70 | $117.70 – $1,762.00 |
| Hackensack University Medical Center | Hackensack | $125.23 | $100.19 – $2,028.74 |