healthcosts.net
Allergy Skin Testing at Hackensack University Medical Center
30 Prospect Avenue, Hackensack, NJ · Hackensack Meridian Health · · NPI 1457456279
$1,198.14
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.
$1,542.00
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.
$6.55 with KARNA vs $1,542.00 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 | $6.55 | ↓ -99% |
| CLOVER | MEDICARE ADVANTAGE | $277.56 | ↓ -77% |
| AETNA | MANAGED MEDICAID | $387.04 | ↓ -68% |
| OXFORD | ALL PRODUCTS | $439.00 | ↓ -63% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $441.01 | ↓ -63% |
| UNITED HEALTHCARE | HMO | $540.00 | ↓ -55% |
| HORIZON | MANAGED MEDICAID | $763.29 | ↓ -36% |
| OPTUM HEALTH | MANAGED MEDICAID | $958.51 | ↓ -20% |
| HORIZON | OMNIA | $1,009.86 | ↓ -16% |
| HORIZON | WORKERS COMP | $1,061.82 | ↓ -11% |
| INTERGROUP | ALL PRODUCTS | $1,079.40 | ↓ -10% |
| HORIZON | PIP | $1,156.50 | ↓ -3% |
| BERGEN RISK | ALL PRODUCTS | $1,156.50 | ↓ -3% |
| OPTUM HEALTH | MEDICARE ADVANTAGE | $1,198.14 | ↑ +0% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $1,198.14 | ↑ +0% |
| HORIZON | MEDICARE ADVANTAGE | $1,198.14 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $1,198.14 | ↑ +0% |
| VACCN | ALL PRODUCTS | $1,198.14 | ↑ +0% |
| WELLCARE | MANAGED MEDICAID | $1,198.14 | ↑ +0% |
| AETNA | MEDICARE ADVANTAGE | $1,209.08 | ↑ +1% |
| LHP HEALTH | ALL PRODUCTS | $1,218.18 | ↑ +2% |
| CIGNA | BH | $1,233.60 | ↑ +3% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $1,258.05 | ↑ +5% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $1,310.70 | ↑ +9% |
| CHN | ALL PRODUCTS | $1,310.70 | ↑ +9% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $1,310.70 | ↑ +9% |
| QUALCARE | HMO | $1,360.04 | ↑ +14% |
| QUALCARE | WORKERS COMP | $1,360.04 | ↑ +14% |
| QUALCARE | PPO | $1,360.04 | ↑ +14% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $1,387.80 | ↑ +16% |
| AETNA | PPO | $1,467.98 | ↑ +23% |
| AETNA | ASA | $1,467.98 | ↑ +23% |
| AETNA | HMO | $1,467.98 | ↑ +23% |
| HORIZON | HMO | $1,468.60 | ↑ +23% |
| HORIZON | INDEMNITY | $1,476.16 | ↑ +23% |
| HORIZON | SHP | $1,485.56 | ↑ +24% |
| CIGNA | PPO | $1,491.89 | ↑ +25% |
| CIGNA | HMO | $1,491.89 | ↑ +25% |
| HORIZON | FEDERAL | $1,503.76 | ↑ +26% |
| HORIZON | PPO | $1,503.76 | ↑ +26% |
| AMERIHEALTH | LOCAL HMO | $1,542.00 | ↑ +29% |
| AMERIHEALTH | REGIONAL HMO | $1,542.00 | ↑ +29% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |