Observation direct referral from physician office for admission at Clara Maass Medical Center
1 Clara Maass Dr, Belleville, NJ · RWJBarnabas Health · · NPI 1902901333
$348.07
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.
$1,750.00
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.
$222.95 with United Healthcare vs $8,837.00 with United Healthcare — 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 | $222.95 | ↓ -36% |
| Fidelis Care | NJ Family Care | $227.15 | ↓ -35% |
| Aetna | Better Health | $244.12 | ↓ -30% |
| Clover Health | Medicare Advantage | $687.85 | ↑ +98% |
| Fidelis Care | Medicare Advantage | $687.85 | ↑ +98% |
| Humana | Medicare | $687.85 | ↑ +98% |
| Wellpoint | Medicare Advantage | $687.85 | ↑ +98% |
| Aetna | Medicare | $687.85 | ↑ +98% |
| Horizon Blue Cross Blue Shield of New Jersey | Medicare Advantage | $687.85 | ↑ +98% |
| United Healthcare | Medicare | $701.61 | ↑ +102% |
| Horizon Blue Cross Blue Shield of New Jersey | Omnia | $736.22 | ↑ +112% |
| Horizon Blue Cross Blue Shield of New Jersey | State Benefit Plan | $914.55 | ↑ +163% |
| Horizon Blue Cross Blue Shield of New Jersey | Managed | $937.12 | ↑ +169% |
| Horizon Blue Cross Blue Shield of New Jersey | Non-Managed | $966.35 | ↑ +178% |
| First Health | Commercial | $1,050.00 | ↑ +202% |
| Wellpoint | NJ Family Care | $1,295.00 | ↑ +272% |
| Wellcare | Ambetter Health Commercial | $1,368.82 | ↑ +293% |
| Horizon Blue Cross Blue Shield of New Jersey | NJ Health | $2,492.00 | ↑ +616% |
| Qualcare Inc | HMO/POS | $3,047.00 | ↑ +775% |
| Qualcare Inc | PPO/WC | $3,186.00 | ↑ +815% |
| Horizon Blue Cross Blue Shield of New Jersey | Worker's Comp | $4,175.00 | ↑ +1099% |
| Horizon Blue Cross Blue Shield of New Jersey | PIP | $4,175.00 | ↑ +1099% |
| Amerihealth | Local Value | $4,315.00 | ↑ +1140% |
| Amerihealth | Regional Preferred | $4,848.00 | ↑ +1293% |
| Cigna | Local Plus | $4,982.00 | ↑ +1331% |
| Emblem Health | Commercial | $5,305.00 | ↑ +1424% |
| Cigna | HMO | $6,330.00 | ↑ +1719% |
| United Healthcare | Oxford Metro | $6,400.00 | ↑ +1739% |
| Cigna | PPO | $6,667.00 | ↑ +1815% |
| Aetna | PPO | $6,748.00 | ↑ +1839% |
| Aetna | HMO | $6,748.00 | ↑ +1839% |
| United Healthcare | Nexus | $7,511.00 | ↑ +2058% |
| United Healthcare | Oxford Commercial | $7,529.00 | ↑ +2063% |
| United Healthcare | Commercial | $8,837.00 | ↑ +2439% |
Visitor-reported prices
Comments
Observation direct referral from physician office for admission at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Trinitas Regional Medical Center | Elizabeth | $328.47 | $670.04 – $8,116.00 |
| Cooperman Barnabas Medical Center | Livingston | $370.82 | $687.85 – $8,203.00 |
| Community Medical Center | Toms River | $362.95 | $670.04 – $7,757.00 |
| Newark Beth Israel Medical Center | Newark | $364.52 | $687.85 – $6,387.00 |
| Jersey City Medical Center | Jersey City | $363.65 | $722.02 – $5,761.00 |
| Monmouth Medical Center | Long Branch | $382.90 | $678.62 – $7,121.00 |
| JFK Johnson Rehabilitation Institute (JRI) | Edison | $679.20 | $613.10 – $5,179.00 |
| Jersey Shore University Medical Center | Neptune City | $678.62 | $318.00 – $3,820.00 |