healthcosts.net
ER Visit (level 3) at Ocean University Medical Center
425 Jack Martin Boulevard, Brick, NJ · Hackensack Meridian Health · · NPI 1477065126
$302.61
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.
$2,090.00
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.
$115.35 with KARNA vs $3,539.00 with BRIGHTON HEALTH PLAN — 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 |
|---|---|---|---|
| KARNA | MEDICARE ADVANTAGE | $115.35 | ↓ -62% |
| AMERIGROUP | MANAGED MEDICAID | $140.00 | ↓ -54% |
| UNITED HEALTHCARE | MANAGED MEDICAID | $268.00 | ↓ -11% |
| AMERIGROUP | MEDICARE ADVANTAGE | $276.89 | ↓ -8% |
| HORIZON | MEDICARE ADVANTAGE | $276.89 | ↓ -8% |
| AETNA | MEDICARE ADVANTAGE | $276.89 | ↓ -8% |
| WELLCARE | MEDICARE ADVANTAGE | $276.89 | ↓ -8% |
| VACCN | ALL PRODUCTS | $276.89 | ↓ -8% |
| WELLCARE | MANAGED MEDICAID | $276.89 | ↓ -8% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $290.73 | ↓ -4% |
| AETNA | MANAGED MEDICAID | $296.78 | ↓ -2% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $302.61 | ↑ +0% |
| HORIZON | MANAGED MEDICAID | $328.00 | ↑ +8% |
| UNITED HEALTHCARE | DSNP | $363.13 | ↑ +20% |
| CLOVER | MEDICARE ADVANTAGE | $376.20 | ↑ +24% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $405.46 | ↑ +34% |
| AMERIHEALTH | LOCAL HMO | $1,416.00 | ↑ +368% |
| INTERGROUP | SHARED SAVINGS | $1,463.00 | ↑ +383% |
| INTERGROUP | WORKERS COMP | $1,463.00 | ↑ +383% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $1,463.00 | ↑ +383% |
| BERGEN RISK | ALL PRODUCTS | $1,522.00 | ↑ +403% |
| AMERIHEALTH | REGIONAL HMO | $1,599.00 | ↑ +428% |
| HORIZON | PIP | $1,615.57 | ↑ +434% |
| QUALCARE | HMO | $1,623.93 | ↑ +437% |
| QUALCARE | PPO | $1,623.93 | ↑ +437% |
| AETNA | ASA | $1,636.47 | ↑ +441% |
| PRIME HEALTH | WORKERS COMP | $1,672.00 | ↑ +453% |
| PRIME HEALTH | AUTO INSURANCE | $1,672.00 | ↑ +453% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $1,776.50 | ↑ +487% |
| CIGNA | HMO | $1,789.00 | ↑ +491% |
| QUALCARE | WORKERS COMP | $1,839.20 | ↑ +508% |
| CIGNA | PPO | $1,977.00 | ↑ +553% |
| HORIZON | OMNIA | $2,169.00 | ↑ +617% |
| OXFORD | ALL PRODUCTS | $2,380.00 | ↑ +686% |
| UNITED HEALTHCARE | HMO | $2,452.00 | ↑ +710% |
| HORIZON | SHP | $2,495.00 | ↑ +724% |
| HORIZON | HMO | $2,677.00 | ↑ +785% |
| AETNA | PPO | $2,746.00 | ↑ +807% |
| AETNA | HMO | $2,746.00 | ↑ +807% |
| HORIZON | INDEMNITY | $3,001.00 | ↑ +892% |
| HORIZON | PPO | $3,102.00 | ↑ +925% |
| HORIZON | WORKERS COMP | $3,349.00 | ↑ +1007% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $3,539.00 | ↑ +1069% |
Visitor-reported prices
Comments
ER Visit (level 3) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Bayshore Medical Center | Holmdel | $306.48 | $306.48 – $1,776.50 |
| Hackensack University Medical Center | Hackensack | $326.08 | $118.01 – $1,776.50 |