healthcosts.net
Stenger test speech at JFK Johnson Rehabilitation Institute (JRI)
65 James Street, Edison, NJ · Hackensack Meridian Health · · NPI 1275107344
$530.60
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.
$1,320.00
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.
$40.03 with KARNA vs $1,305.48 with AMERIHEALTH — 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 | $40.03 | ↓ -92% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $116.00 | ↓ -78% |
| HORIZON | HMO | $204.00 | ↓ -62% |
| HORIZON | WORKERS COMP | $208.00 | ↓ -61% |
| CLOVER | MEDICARE ADVANTAGE | $237.60 | ↓ -55% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $283.80 | ↓ -47% |
| AMERIGROUP | MEDICARE ADVANTAGE | $287.76 | ↓ -46% |
| UNITED HEALTHCARE | MANAGED MEDICAID | $448.01 | ↓ -16% |
| AETNA | MANAGED MEDICAID | $461.47 | ↓ -13% |
| OXFORD | ALL PRODUCTS | $499.00 | ↓ -6% |
| HORIZON | MEDICARE ADVANTAGE | $530.60 | ↑ +0% |
| AETNA | MEDICARE ADVANTAGE | $530.60 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $530.60 | ↑ +0% |
| VACCN | ALL PRODUCTS | $530.60 | ↑ +0% |
| WELLCARE | MANAGED MEDICAID | $530.60 | ↑ +0% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $557.13 | ↑ +5% |
| UNITED HEALTHCARE | HMO | $627.00 | ↑ +18% |
| CIGNA - JRI@OUMC | ALL PRODUCTS | $660.00 | ↑ +24% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $792.00 | ↑ +49% |
| HORIZON | INDEMNITY | $803.88 | ↑ +52% |
| HORIZON | PIP | $803.88 | ↑ +52% |
| HORIZON | PPO | $803.88 | ↑ +52% |
| HORIZON | OMNIA | $803.88 | ↑ +52% |
| HORIZON | SHP | $803.88 | ↑ +52% |
| BRIGHTON HEALTH PLAN - JRI@OUMC | ALL PRODUCTS | $858.00 | ↑ +62% |
| INTERGROUP | SHARED SAVINGS | $924.00 | ↑ +74% |
| INTERGROUP | WORKERS COMP | $924.00 | ↑ +74% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $924.00 | ↑ +74% |
| BERGEN RISK | ALL PRODUCTS | $990.00 | ↑ +87% |
| PRIME HEALTH | WORKERS COMP | $1,056.00 | ↑ +99% |
| PRIME HEALTH | AUTO INSURANCE | $1,056.00 | ↑ +99% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $1,122.00 | ↑ +111% |
| AETNA | PPO | $1,183.64 | ↑ +123% |
| AETNA | ASA | $1,183.64 | ↑ +123% |
| AETNA | HMO | $1,183.64 | ↑ +123% |
| QUALCARE | HMO | $1,222.32 | ↑ +130% |
| QUALCARE | WORKERS COMP | $1,222.32 | ↑ +130% |
| QUALCARE | PPO | $1,222.32 | ↑ +130% |
| CIGNA | PPO | $1,270.63 | ↑ +139% |
| CIGNA | HMO | $1,270.63 | ↑ +139% |
| AMERIHEALTH | LOCAL HMO | $1,305.48 | ↑ +146% |
| AMERIHEALTH | REGIONAL HMO | $1,305.48 | ↑ +146% |