Lower Back (Lumbar Spine) MRI (without contrast) at Clara Maass Medical Center
1 Clara Maass Dr, Belleville, NJ · RWJBarnabas Health · · NPI 1902901333
$567.66
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.
$2,854.00
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.
$271.19 with Clover Health vs $2,724.42 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 | $271.19 | ↓ -52% |
| Humana | Medicare | $271.19 | ↓ -52% |
| Horizon Blue Cross Blue Shield of New Jersey | Medicare Advantage | $271.19 | ↓ -52% |
| Aetna | Medicare | $271.19 | ↓ -52% |
| Fidelis Care | Medicare Advantage | $271.19 | ↓ -52% |
| Wellpoint | Medicare Advantage | $271.19 | ↓ -52% |
| United Healthcare | Medicare | $276.61 | ↓ -51% |
| United Healthcare | Oxford Metro | $312.92 | ↓ -45% |
| United Healthcare | Nexus | $312.92 | ↓ -45% |
| Cigna | Local Plus | $326.00 | ↓ -43% |
| Aetna | PPO | $347.62 | ↓ -39% |
| Aetna | HMO | $347.62 | ↓ -39% |
| United Healthcare | Community Plan | $363.59 | ↓ -36% |
| United Healthcare | Oxford Commercial | $368.20 | ↓ -35% |
| United Healthcare | Commercial | $368.20 | ↓ -35% |
| Fidelis Care | NJ Family Care | $370.44 | ↓ -35% |
| Aetna | Better Health | $398.13 | ↓ -30% |
| Cigna | HMO | $414.00 | ↓ -27% |
| Cigna | PPO | $436.00 | ↓ -23% |
| Emblem Health | Commercial | $474.58 | ↓ -16% |
| Wellcare | Ambetter Health Commercial | $539.67 | ↓ -5% |
| Horizon Blue Cross Blue Shield of New Jersey | NJ Health | $541.20 | ↓ -5% |
| Amerihealth | Local Value | $665.60 | ↑ +17% |
| Amerihealth | Regional Preferred | $665.60 | ↑ +17% |
| Horizon Blue Cross Blue Shield of New Jersey | Managed | $708.48 | ↑ +25% |
| Horizon Blue Cross Blue Shield of New Jersey | Omnia | $708.48 | ↑ +25% |
| Horizon Blue Cross Blue Shield of New Jersey | State Benefit Plan | $708.48 | ↑ +25% |
| Horizon Blue Cross Blue Shield of New Jersey | Non-Managed | $708.48 | ↑ +25% |
| Wellpoint | NJ Family Care | $1,626.78 | ↑ +187% |
| First Health | Commercial | $1,712.40 | ↑ +202% |
| Qualcare Inc | HMO/POS | $2,072.00 | ↑ +265% |
| Qualcare Inc | PPO/WC | $2,166.00 | ↑ +282% |
| Horizon Blue Cross Blue Shield of New Jersey | Worker's Comp | $2,504.95 | ↑ +341% |
| Horizon Blue Cross Blue Shield of New Jersey | PIP | $2,724.42 | ↑ +380% |
Visitor-reported prices
Comments
Lower Back (Lumbar Spine) MRI (without contrast) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Trinitas Regional Medical Center | Elizabeth | $535.69 | $101.97 – $896.25 |
| Cooperman Barnabas Medical Center | Livingston | $604.76 | $271.19 – $2,072.00 |
| Community Medical Center | Toms River | $591.91 | $264.17 – $2,072.00 |
| Newark Beth Israel Medical Center | Newark | $594.48 | $104.97 – $2,072.00 |
| Jersey City Medical Center | Jersey City | $593.06 | $131.96 – $2,010.00 |
| Monmouth Medical Center | Long Branch | $624.45 | $267.55 – $2,072.00 |
| Bayshore Medical Center | Holmdel | $267.55 | $267.55 – $4,332.00 |
| Hackensack University Medical Center | Hackensack | $284.66 | $227.73 – $4,332.00 |