healthcosts.net
Lower Back (Lumbar Spine) MRI (with contrast) at Ocean University Medical Center
425 Jack Martin Boulevard, Brick, NJ · Hackensack Meridian Health · · NPI 1477065126
$390.30
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.
?
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.
?
The hospital's undiscounted list price — almost no one pays this.
$357.13 with AMERIGROUP vs $4,332.00 with BERGEN RISK — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 |
|---|---|---|---|
| AMERIGROUP | MEDICARE ADVANTAGE | $357.13 | ↓ -8% |
| HORIZON | MEDICARE ADVANTAGE | $357.13 | ↓ -8% |
| AETNA | MEDICARE ADVANTAGE | $357.13 | ↓ -8% |
| WELLCARE | MEDICARE ADVANTAGE | $357.13 | ↓ -8% |
| VACCN | ALL PRODUCTS | $357.13 | ↓ -8% |
| WELLCARE | MANAGED MEDICAID | $357.13 | ↓ -8% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $374.99 | ↓ -4% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $390.30 | ↑ +0% |
| UNITED HEALTHCARE | DSNP | $468.36 | ↑ +20% |
| KARNA | MEDICARE ADVANTAGE | $511.20 | ↑ +31% |
| CIGNA | PPO | $608.30 | ↑ +56% |
| CIGNA | HMO | $608.30 | ↑ +56% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $650.00 | ↑ +67% |
| AETNA | PPO | $650.36 | ↑ +67% |
| AETNA | HMO | $650.36 | ↑ +67% |
| AETNA | MANAGED MEDICAID | $663.85 | ↑ +70% |
| HORIZON | MANAGED MEDICAID | $740.85 | ↑ +90% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $836.14 | ↑ +114% |
| CLOVER | MEDICARE ADVANTAGE | $841.50 | ↑ +116% |
| UNITED HEALTHCARE | HMO | $895.45 | ↑ +129% |
| OXFORD | ALL PRODUCTS | $895.45 | ↑ +129% |
| UNITED HEALTHCARE | MANAGED MEDICAID | $951.00 | ↑ +144% |
| AMERIHEALTH | LOCAL HMO | $1,094.00 | ↑ +180% |
| AMERIHEALTH | REGIONAL HMO | $1,112.92 | ↑ +185% |
| QUALCARE | HMO | $2,083.00 | ↑ +434% |
| QUALCARE | WORKERS COMP | $2,159.44 | ↑ +453% |
| INTERGROUP | SHARED SAVINGS | $2,722.30 | ↑ +597% |
| INTERGROUP | WORKERS COMP | $2,722.30 | ↑ +597% |
| QUALCARE | PPO | $3,006.20 | ↑ +670% |
| HORIZON | OMNIA | $3,045.30 | ↑ +680% |
| PRIME HEALTH | WORKERS COMP | $3,111.20 | ↑ +697% |
| PRIME HEALTH | AUTO INSURANCE | $3,111.20 | ↑ +697% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $3,225.75 | ↑ +726% |
| AETNA | ASA | $3,266.76 | ↑ +737% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $3,305.65 | ↑ +747% |
| HORIZON | WORKERS COMP | $3,351.04 | ↑ +759% |
| HORIZON | PIP | $3,613.78 | ↑ +826% |
| HORIZON | SHP | $3,645.10 | ↑ +834% |
| HORIZON | HMO | $3,761.04 | ↑ +864% |
| HORIZON | INDEMNITY | $3,805.45 | ↑ +875% |
| HORIZON | PPO | $3,859.68 | ↑ +889% |
| BERGEN RISK | ALL PRODUCTS | $4,332.00 | ↑ +1010% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
Visitor-reported prices
Comments
Lower Back (Lumbar Spine) MRI (with contrast) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Bayshore Medical Center | Holmdel | $395.29 | $395.29 – $4,332.00 |
| Hackensack University Medical Center | Hackensack | $420.58 | $336.46 – $4,332.00 |