Pre-plan 3d model w/ccta at Clara Maass Medical Center
1 Clara Maass Dr, Belleville, NJ · RWJBarnabas Health · · NPI 1902901333
$476.36
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.
$2,395.00
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.
$305.12 with United Healthcare vs $2,286.26 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 | $305.12 | ↓ -36% |
| Fidelis Care | NJ Family Care | $310.87 | ↓ -35% |
| Aetna | Better Health | $334.10 | ↓ -30% |
| Amerihealth | Local Value | $560.50 | ↑ +18% |
| Amerihealth | Regional Preferred | $560.50 | ↑ +18% |
| United Healthcare | Oxford Metro | $698.38 | ↑ +47% |
| United Healthcare | Nexus | $698.38 | ↑ +47% |
| United Healthcare | Oxford Commercial | $821.48 | ↑ +72% |
| United Healthcare | Commercial | $821.48 | ↑ +72% |
| Horizon Blue Cross Blue Shield of New Jersey | Omnia | $1,007.57 | ↑ +112% |
| Fidelis Care | Medicare Advantage | $1,141.43 | ↑ +140% |
| Humana | Medicare | $1,141.43 | ↑ +140% |
| Aetna | Medicare | $1,141.43 | ↑ +140% |
| Horizon Blue Cross Blue Shield of New Jersey | Medicare Advantage | $1,141.43 | ↑ +140% |
| Wellpoint | Medicare Advantage | $1,141.43 | ↑ +140% |
| Clover Health | Medicare Advantage | $1,141.43 | ↑ +140% |
| United Healthcare | Medicare | $1,164.26 | ↑ +144% |
| Horizon Blue Cross Blue Shield of New Jersey | State Benefit Plan | $1,251.62 | ↑ +163% |
| Cigna | Local Plus | $1,260.48 | ↑ +165% |
| Horizon Blue Cross Blue Shield of New Jersey | Managed | $1,282.52 | ↑ +169% |
| Horizon Blue Cross Blue Shield of New Jersey | Non-Managed | $1,322.51 | ↑ +178% |
| Wellpoint | NJ Family Care | $1,365.15 | ↑ +187% |
| Aetna | HMO | $1,413.05 | ↑ +197% |
| Aetna | PPO | $1,413.05 | ↑ +197% |
| First Health | Commercial | $1,437.00 | ↑ +202% |
| Cigna | HMO | $1,601.77 | ↑ +236% |
| Cigna | PPO | $1,687.03 | ↑ +254% |
| Qualcare Inc | HMO/POS | $1,839.36 | ↑ +286% |
| Qualcare Inc | PPO/WC | $1,961.50 | ↑ +312% |
| Emblem Health | Commercial | $1,997.50 | ↑ +319% |
| Horizon Blue Cross Blue Shield of New Jersey | Worker's Comp | $2,102.09 | ↑ +341% |
| Wellcare | Ambetter Health Commercial | $2,271.45 | ↑ +377% |
| Horizon Blue Cross Blue Shield of New Jersey | PIP | $2,286.26 | ↑ +380% |
Visitor-reported prices
Comments
Pre-plan 3d model w/ccta at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| JFK Johnson Rehabilitation Institute (JRI) | Edison | $1,127.09 | $711.46 – $1,127.09 |
| Jersey Shore University Medical Center | Neptune City | $1,126.11 | $781.89 – $1,351.33 |
| Palisades Medical Center | North Bergen | $1,198.14 | $795.63 – $1,305.97 |
| Raritan Bay Medical Center | Perth Amboy | $1,127.09 | $795.63 – $1,352.50 |
| Riverview Medical Center | Red Bank | $1,126.11 | $795.63 – $1,351.33 |
| Southern Ocean Medical Center | Manahawkin | $1,111.89 | $795.63 – $1,334.26 |
| Trinitas Regional Medical Center | Elizabeth | not published | $754.74 – $2,223.78 |
| Cooperman Barnabas Medical Center | Livingston | not published | $559.41 – $2,282.86 |