healthcosts.net
Colonoscopy (with biopsy) at Hackensack University Medical Center
30 Prospect Avenue, Hackensack, NJ · Hackensack Meridian Health · · NPI 1457456279
$1,388.56
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.
$4,294.00
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.
$418.63 with KARNA vs $16,802.00 with HORIZON — 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 | $418.63 | ↓ -70% |
| CLOVER | MEDICARE ADVANTAGE | $772.92 | ↓ -44% |
| AETNA | MANAGED MEDICAID | $1,077.79 | ↓ -22% |
| OPTUM HEALTH | MANAGED MEDICAID | $1,110.84 | ↓ -20% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $1,228.08 | ↓ -12% |
| AETNA | MEDICARE ADVANTAGE | $1,364.66 | ↓ -2% |
| OPTUM HEALTH | MEDICARE ADVANTAGE | $1,388.56 | ↑ +0% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $1,388.56 | ↑ +0% |
| HORIZON | MEDICARE ADVANTAGE | $1,388.56 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $1,388.56 | ↑ +0% |
| VACCN | ALL PRODUCTS | $1,388.56 | ↑ +0% |
| WELLCARE | MANAGED MEDICAID | $1,388.56 | ↑ +0% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $1,457.98 | ↑ +5% |
| HORIZON | MANAGED MEDICAID | $2,728.00 | ↑ +96% |
| HORIZON | OMNIA | $2,812.14 | ↑ +103% |
| INTERGROUP | ALL PRODUCTS | $3,005.80 | ↑ +116% |
| HORIZON | PIP | $3,220.50 | ↑ +132% |
| BERGEN RISK | ALL PRODUCTS | $3,220.50 | ↑ +132% |
| CIGNA | BH | $3,435.20 | ↑ +147% |
| LHP HEALTH | ALL PRODUCTS | $3,521.08 | ↑ +154% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $3,649.90 | ↑ +163% |
| CHN | ALL PRODUCTS | $3,649.90 | ↑ +163% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $3,649.90 | ↑ +163% |
| QUALCARE | HMO | $3,787.31 | ↑ +173% |
| QUALCARE | WORKERS COMP | $3,821.66 | ↑ +175% |
| QUALCARE | PPO | $3,821.66 | ↑ +175% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $3,864.60 | ↑ +178% |
| CIGNA | PPO | $3,904.96 | ↑ +181% |
| CIGNA | HMO | $3,904.96 | ↑ +181% |
| HORIZON | HMO | $4,089.61 | ↑ +195% |
| HORIZON | INDEMNITY | $4,110.65 | ↑ +196% |
| HORIZON | SHP | $4,136.84 | ↑ +198% |
| HORIZON | FEDERAL | $4,187.51 | ↑ +202% |
| HORIZON | PPO | $4,187.51 | ↑ +202% |
| OXFORD | ALL PRODUCTS | $7,146.00 | ↑ +415% |
| AETNA | PPO | $7,773.00 | ↑ +460% |
| AETNA | ASA | $7,773.00 | ↑ +460% |
| AETNA | HMO | $7,773.00 | ↑ +460% |
| AMERIHEALTH | LOCAL HMO | $8,013.00 | ↑ +477% |
| UNITED HEALTHCARE | HMO | $8,568.00 | ↑ +517% |
| AMERIHEALTH | REGIONAL HMO | $8,904.00 | ↑ +541% |
| HORIZON | WORKERS COMP | $16,802.00 | ↑ +1110% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
Visitor-reported prices
Comments
Colonoscopy (with biopsy) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Ocean University Medical Center | Brick | $1,288.59 | $406.45 – $3,885.64 |
| Bayshore Medical Center | Holmdel | $1,305.08 | $704.22 – $3,689.40 |