healthcosts.net
Annual Physical, Established Patient (age 40-64) at Ocean University Medical Center
425 Jack Martin Boulevard, Brick, NJ · Hackensack Meridian Health · · NPI 1477065126
not published by hospital
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.
$75.00
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.
$10.65 with AETNA vs $151.72 with KARNA — 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 |
|---|---|---|---|
| AETNA | MANAGED MEDICAID | $10.65 | — |
| CLOVER | MEDICARE ADVANTAGE | $13.50 | — |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $14.55 | — |
| AETNA | MEDICARE ADVANTAGE | $15.30 | — |
| AMERIGROUP | MEDICARE ADVANTAGE | $16.35 | — |
| UNITED HEALTHCARE | MANAGED MEDICAID | $25.46 | — |
| CIGNA - JRI@OUMC | ALL PRODUCTS | $37.50 | — |
| OXFORD - JRI@OUMC | ALL PRODUCTS | $37.73 | — |
| UNITED HEALTHCARE - JRI@OUMC | ALL PRODUCTS | $41.93 | — |
| HORIZON | MANAGED MEDICAID | $44.61 | — |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $45.00 | — |
| HORIZON | INDEMNITY | $45.68 | — |
| HORIZON | PIP | $45.68 | — |
| HORIZON | PPO | $45.68 | — |
| HORIZON | OMNIA | $45.68 | — |
| HORIZON | SHP | $45.68 | — |
| BRIGHTON HEALTH PLAN - JRI@OUMC | ALL PRODUCTS | $48.75 | — |
| OXFORD | ALL PRODUCTS | $49.32 | — |
| UNITED HEALTHCARE | HMO | $51.69 | — |
| INTERGROUP | SHARED SAVINGS | $52.50 | — |
| INTERGROUP | WORKERS COMP | $52.50 | — |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $52.50 | — |
| HORIZON | WORKERS COMP | $53.76 | — |
| BERGEN RISK | ALL PRODUCTS | $56.25 | — |
| QUALCARE | HMO | $58.28 | — |
| QUALCARE | PPO | $58.28 | — |
| AETNA | ASA | $58.73 | — |
| PRIME HEALTH | WORKERS COMP | $60.00 | — |
| PRIME HEALTH | AUTO INSURANCE | $60.00 | — |
| HORIZON | HMO | $60.34 | — |
| MULTIPLAN - PHCS | ALL PRODUCTS | $63.75 | — |
| AMERIHEALTH | LOCAL HMO | $64.44 | — |
| QUALCARE | WORKERS COMP | $66.00 | — |
| AETNA | PPO | $67.25 | — |
| AETNA | HMO | $67.25 | — |
| AMERIHEALTH | REGIONAL HMO | $72.99 | — |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $104.00 | — |
| KARNA | MEDICARE ADVANTAGE | $151.72 | — |
| WELLCARE | MANAGED MEDICAID | not published by hospital | — |
| VACCN | ALL PRODUCTS | not published by hospital | — |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
| WELLCARE | MEDICARE ADVANTAGE | not published by hospital | — |
| UNITED HEALTHCARE | DSNP | not published by hospital | — |
| CIGNA | HMO | not published by hospital | — |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | not published by hospital | — |
| CIGNA | PPO | not published by hospital | — |
Visitor-reported prices
Comments
Annual Physical, Established Patient (age 40-64) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Bayshore Medical Center | Holmdel | not published | $12.30 – $67.50 |
| Hackensack University Medical Center | Hackensack | not published | $13.50 – $156.19 |
| JFK Johnson Rehabilitation Institute (JRI) | Edison | not published | $104.00 – $181.00 |