healthcosts.net
Annual Physical, Established Patient (age 40-64) at Hackensack University Medical Center
30 Prospect Avenue, Hackensack, NJ · Hackensack Meridian Health · · NPI 1457456279
not published by hospital
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.
$75.00
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.
$13.50 with CLOVER vs $974.00 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 |
|---|---|---|---|
| CLOVER | MEDICARE ADVANTAGE | $13.50 | — |
| OPTUM HEALTH | MANAGED MEDICAID | $16.50 | — |
| AETNA | MANAGED MEDICAID | $18.83 | — |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $21.45 | — |
| AETNA | MEDICARE ADVANTAGE | $22.20 | — |
| HORIZON | MANAGED MEDICAID | $37.13 | — |
| HORIZON | OMNIA | $49.12 | — |
| HORIZON | WORKERS COMP | $51.65 | — |
| INTERGROUP | ALL PRODUCTS | $52.50 | — |
| UNITED HEALTHCARE | HMO | $54.12 | — |
| OXFORD | ALL PRODUCTS | $55.10 | — |
| HORIZON | PIP | $56.25 | — |
| BERGEN RISK | ALL PRODUCTS | $56.25 | — |
| LHP HEALTH | ALL PRODUCTS | $59.25 | — |
| CIGNA | BH | $60.00 | — |
| MULTIPLAN - PHCS | ALL PRODUCTS | $63.75 | — |
| CHN | ALL PRODUCTS | $63.75 | — |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $63.75 | — |
| QUALCARE | HMO | $66.15 | — |
| QUALCARE | WORKERS COMP | $66.15 | — |
| QUALCARE | PPO | $66.15 | — |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $67.50 | — |
| AETNA | PPO | $71.40 | — |
| AETNA | ASA | $71.40 | — |
| AETNA | HMO | $71.40 | — |
| HORIZON | HMO | $71.43 | — |
| HORIZON | INDEMNITY | $71.80 | — |
| HORIZON | SHP | $72.26 | — |
| CIGNA | PPO | $72.56 | — |
| CIGNA | HMO | $72.56 | — |
| HORIZON | FEDERAL | $73.14 | — |
| HORIZON | PPO | $73.14 | — |
| KARNA | MEDICARE ADVANTAGE | $156.19 | — |
| AMERIHEALTH | LOCAL HMO | $879.00 | — |
| AMERIHEALTH | REGIONAL HMO | $974.00 | — |
| WELLCARE | MANAGED MEDICAID | not published by hospital | — |
| VACCN | ALL PRODUCTS | not published by hospital | — |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
| WELLCARE | MEDICARE ADVANTAGE | not published by hospital | — |
| HORIZON | MEDICARE ADVANTAGE | not published by hospital | — |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | not published by hospital | — |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | not published by hospital | — |
Visitor-reported prices
Comments
Annual Physical, Established Patient (age 40-64) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Bayshore Medical Center | Holmdel | not published | $12.30 – $67.50 |
| Ocean University Medical Center | Brick | not published | $10.65 – $151.72 |