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Membrane affinity fresh amniotic 2.5x2.5cm -cost per sq cm at JFK Johnson Rehabilitation Institute (JRI)

65 James Street, Edison, NJ · Hackensack Meridian Health · · NPI 1275107344

Source: hospital's published price file ↗ · Published Dec 31, 2025 · Ingested Aug 14, 2026

not published by hospital

Cash price

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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.

Full explanation →

What you pay up front if you don't use insurance.

$3,162.00

Gross charge

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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.

Full explanation →

The hospital's undiscounted list price — almost no one pays this.

$138.60 with CLOVER vs $1,637.92 with AETNA — 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 →

Payer
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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
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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
CLOVER MEDICARE ADVANTAGE $138.60
AETNA MEDICARE ADVANTAGE $158.62
HORIZON MANAGED MEDICAID $199.89
CIGNA PPO $242.55
CIGNA HMO $242.55
WELLCARE MEDICARE ADVANTAGE $346.50
WELLCARE MANAGED MEDICAID $346.50
HORIZON OMNIA $360.36
HORIZON SHP $360.36
HORIZON INDEMNITY $360.67
HORIZON PIP $360.67
HORIZON WORKERS COMP $360.67
HORIZON PPO $360.67
HORIZON BCBS BRAVEN MEDICARE ADVANTAGE $360.67
HORIZON HMO $360.67
SEOUL MEDICAL GROUP ALL PRODUCTS $385.00
AMERIGROUP MANAGED MEDICAID $385.00
ACTIVECARE FIRST MCO ALL PRODUCTS $385.00
OXFORD - JRI@OUMC ALL PRODUCTS $387.31
UNITED HEALTHCARE HMO $416.57
OXFORD ALL PRODUCTS $416.57
UNITED HEALTHCARE - JRI@OUMC ALL PRODUCTS $430.43
CIGNA - JRI@OUMC ALL PRODUCTS $462.00
BERGEN RISK ALL PRODUCTS $462.00
KARNA MEDICARE ADVANTAGE $478.35
INTERGROUP SHARED SAVINGS $539.00
INTERGROUP WORKERS COMP $539.00
PRIME HEALTH WORKERS COMP $616.00
PRIME HEALTH AUTO INSURANCE $616.00
MULTIPLAN - PHCS ALL PRODUCTS $654.50
QUALCARE HMO $1,207.88
QUALCARE WORKERS COMP $1,207.88
QUALCARE PPO $1,207.88
AETNA PPO $1,637.92
AETNA ASA $1,637.92
AETNA HMO $1,637.92
VACCN ALL PRODUCTS not published by hospital
UNITED COMMUNITY/AMERICHOICE MEDICARE ADVANTAGE not published by hospital

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