X-ray surgical specimen at Clara Maass Medical Center
1 Clara Maass Dr, Belleville, NJ · RWJBarnabas Health · · NPI 1902901333
$201.08
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.
$1,011.00
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.
$19.88 with Horizon Blue Cross Blue Shield of New Jersey vs $1,224.15 with Wellcare — 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 | State Benefit Plan | $19.88 | ↓ -90% |
| Horizon Blue Cross Blue Shield of New Jersey | Non-Managed | $19.88 | ↓ -90% |
| Horizon Blue Cross Blue Shield of New Jersey | Managed | $19.88 | ↓ -90% |
| Horizon Blue Cross Blue Shield of New Jersey | Omnia | $19.88 | ↓ -90% |
| Horizon Blue Cross Blue Shield of New Jersey | NJ Health | $24.60 | ↓ -88% |
| Amerihealth | Local Value | $32.23 | ↓ -84% |
| Amerihealth | Regional Preferred | $32.23 | ↓ -84% |
| Aetna | HMO | $78.23 | ↓ -61% |
| Aetna | PPO | $78.23 | ↓ -61% |
| United Healthcare | Community Plan | $128.80 | ↓ -36% |
| Fidelis Care | NJ Family Care | $131.22 | ↓ -35% |
| Aetna | Better Health | $141.03 | ↓ -30% |
| Cigna | Local Plus | $143.97 | ↓ -28% |
| Cigna | PPO | $143.97 | ↓ -28% |
| Cigna | HMO | $143.97 | ↓ -28% |
| Wellpoint | NJ Family Care | $576.27 | ↑ +187% |
| First Health | Commercial | $606.60 | ↑ +202% |
| Wellpoint | Medicare Advantage | $615.15 | ↑ +206% |
| Clover Health | Medicare Advantage | $615.15 | ↑ +206% |
| Fidelis Care | Medicare Advantage | $615.15 | ↑ +206% |
| Humana | Medicare | $615.15 | ↑ +206% |
| Horizon Blue Cross Blue Shield of New Jersey | Medicare Advantage | $615.15 | ↑ +206% |
| Aetna | Medicare | $615.15 | ↑ +206% |
| United Healthcare | Medicare | $627.45 | ↑ +212% |
| United Healthcare | Oxford Metro | $674.19 | ↑ +235% |
| United Healthcare | Nexus | $674.19 | ↑ +235% |
| United Healthcare | Oxford Commercial | $760.90 | ↑ +278% |
| United Healthcare | Commercial | $760.90 | ↑ +278% |
| Qualcare Inc | HMO/POS | $776.44 | ↑ +286% |
| Qualcare Inc | PPO/WC | $828.00 | ↑ +312% |
| Horizon Blue Cross Blue Shield of New Jersey | Worker's Comp | $887.35 | ↑ +341% |
| Horizon Blue Cross Blue Shield of New Jersey | PIP | $965.10 | ↑ +380% |
| Emblem Health | Commercial | $1,076.51 | ↑ +435% |
| Wellcare | Ambetter Health Commercial | $1,224.15 | ↑ +509% |
Visitor-reported prices
Comments
X-ray surgical specimen at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Trinitas Regional Medical Center | Elizabeth | $151.66 | $22.13 – $1,198.46 |
| Cooperman Barnabas Medical Center | Livingston | $171.21 | $19.88 – $1,230.30 |
| Community Medical Center | Toms River | $167.57 | $19.88 – $1,192.47 |
| Newark Beth Israel Medical Center | Newark | $168.30 | $19.88 – $1,230.30 |
| Jersey City Medical Center | Jersey City | $167.90 | $19.88 – $1,284.96 |
| Monmouth Medical Center | Long Branch | $176.79 | $24.60 – $1,207.71 |
| Bayshore Medical Center | Holmdel | $606.89 | $23.80 – $1,307.42 |
| Hackensack University Medical Center | Hackensack | $645.71 | $22.30 – $1,493.34 |