healthcosts.net
Knee MRI (with contrast) at Ocean University Medical Center
425 Jack Martin Boulevard, Brick, NJ · Hackensack Meridian Health · · NPI 1477065126
$863.44
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.
$4,675.00
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.
$594.30 with KARNA vs $4,332.00 with BERGEN RISK — 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 | $594.30 | ↓ -31% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $650.00 | ↓ -25% |
| AETNA | MANAGED MEDICAID | $663.85 | ↓ -23% |
| CIGNA | PPO | $785.63 | ↓ -9% |
| CIGNA | HMO | $785.63 | ↓ -9% |
| AMERIGROUP | MEDICARE ADVANTAGE | $790.06 | ↓ -8% |
| HORIZON | MEDICARE ADVANTAGE | $790.06 | ↓ -8% |
| AETNA | MEDICARE ADVANTAGE | $790.06 | ↓ -8% |
| WELLCARE | MEDICARE ADVANTAGE | $790.06 | ↓ -8% |
| VACCN | ALL PRODUCTS | $790.06 | ↓ -8% |
| WELLCARE | MANAGED MEDICAID | $790.06 | ↓ -8% |
| HORIZON | MANAGED MEDICAID | $806.77 | ↓ -7% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $829.56 | ↓ -4% |
| CLOVER | MEDICARE ADVANTAGE | $841.50 | ↓ -3% |
| AETNA | PPO | $841.96 | ↓ -2% |
| AETNA | HMO | $841.96 | ↓ -2% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $863.44 | ↑ +0% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $906.95 | ↑ +5% |
| UNITED HEALTHCARE | MANAGED MEDICAID | $951.00 | ↑ +10% |
| UNITED HEALTHCARE | DSNP | $1,036.13 | ↑ +20% |
| AMERIHEALTH | LOCAL HMO | $1,094.00 | ↑ +27% |
| AMERIHEALTH | REGIONAL HMO | $1,112.92 | ↑ +29% |
| UNITED HEALTHCARE | HMO | $1,739.68 | ↑ +101% |
| OXFORD | ALL PRODUCTS | $1,739.68 | ↑ +101% |
| QUALCARE | HMO | $2,083.00 | ↑ +141% |
| QUALCARE | WORKERS COMP | $2,159.44 | ↑ +150% |
| INTERGROUP | SHARED SAVINGS | $2,964.50 | ↑ +243% |
| INTERGROUP | WORKERS COMP | $2,964.50 | ↑ +243% |
| HORIZON | OMNIA | $3,045.30 | ↑ +253% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $3,225.75 | ↑ +274% |
| QUALCARE | PPO | $3,273.66 | ↑ +279% |
| HORIZON | WORKERS COMP | $3,351.04 | ↑ +288% |
| PRIME HEALTH | WORKERS COMP | $3,388.00 | ↑ +292% |
| PRIME HEALTH | AUTO INSURANCE | $3,388.00 | ↑ +292% |
| AETNA | ASA | $3,557.40 | ↑ +312% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $3,599.75 | ↑ +317% |
| HORIZON | PIP | $3,613.78 | ↑ +319% |
| HORIZON | SHP | $3,645.10 | ↑ +322% |
| HORIZON | HMO | $3,761.04 | ↑ +336% |
| HORIZON | INDEMNITY | $3,805.45 | ↑ +341% |
| HORIZON | PPO | $3,859.68 | ↑ +347% |
| BERGEN RISK | ALL PRODUCTS | $4,332.00 | ↑ +402% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
Visitor-reported prices
Comments
Knee MRI (with contrast) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Bayshore Medical Center | Holmdel | $874.49 | $766.70 – $4,332.00 |
| Hackensack University Medical Center | Hackensack | $930.42 | $506.96 – $4,332.00 |