healthcosts.net
ER Visit (level 3) at Hackensack University Medical Center
30 Prospect Avenue, Hackensack, NJ · Hackensack Meridian Health · · NPI 1457456279
$326.08
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.
$2,090.00
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.
$118.01 with KARNA vs $4,226.00 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 →
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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 | $118.01 | ↓ -64% |
| OPTUM HEALTH | MANAGED MEDICAID | $260.87 | ↓ -20% |
| OPTUM HEALTH | MEDICARE ADVANTAGE | $326.08 | ↑ +0% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $326.08 | ↑ +0% |
| HORIZON | MEDICARE ADVANTAGE | $326.08 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $326.08 | ↑ +0% |
| VACCN | ALL PRODUCTS | $326.08 | ↑ +0% |
| WELLCARE | MANAGED MEDICAID | $326.08 | ↑ +0% |
| AETNA | MEDICARE ADVANTAGE | $329.95 | ↑ +1% |
| HORIZON | MANAGED MEDICAID | $339.00 | ↑ +4% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $342.39 | ↑ +5% |
| CLOVER | MEDICARE ADVANTAGE | $376.20 | ↑ +15% |
| AETNA | MANAGED MEDICAID | $524.59 | ↑ +61% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $597.74 | ↑ +83% |
| CHN | ALL PRODUCTS | $659.14 | ↑ +102% |
| LHP HEALTH | ALL PRODUCTS | $666.00 | ↑ +104% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $809.00 | ↑ +148% |
| QUALCARE | HMO | $1,385.00 | ↑ +325% |
| QUALCARE | WORKERS COMP | $1,385.00 | ↑ +325% |
| QUALCARE | PPO | $1,385.00 | ↑ +325% |
| INTERGROUP | ALL PRODUCTS | $1,463.00 | ↑ +349% |
| BERGEN RISK | ALL PRODUCTS | $1,522.00 | ↑ +367% |
| HORIZON | PIP | $1,567.50 | ↑ +381% |
| CIGNA | BH | $1,672.00 | ↑ +413% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $1,776.50 | ↑ +445% |
| AMERIHEALTH | LOCAL HMO | $1,812.00 | ↑ +456% |
| CIGNA | HMO | $1,944.00 | ↑ +496% |
| AMERIHEALTH | REGIONAL HMO | $2,000.00 | ↑ +513% |
| CIGNA | PPO | $2,195.00 | ↑ +573% |
| HORIZON | OMNIA | $2,433.00 | ↑ +646% |
| HORIZON | WORKERS COMP | $2,755.00 | ↑ +745% |
| OXFORD | ALL PRODUCTS | $3,040.00 | ↑ +832% |
| UNITED HEALTHCARE | HMO | $3,221.00 | ↑ +888% |
| HORIZON | SHP | $3,258.00 | ↑ +899% |
| HORIZON | HMO | $3,544.00 | ↑ +987% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $3,905.00 | ↑ +1098% |
| HORIZON | INDEMNITY | $3,950.00 | ↑ +1111% |
| HORIZON | FEDERAL | $4,113.00 | ↑ +1161% |
| HORIZON | PPO | $4,113.00 | ↑ +1161% |
| AETNA | PPO | $4,226.00 | ↑ +1196% |
| AETNA | ASA | $4,226.00 | ↑ +1196% |
| AETNA | HMO | $4,226.00 | ↑ +1196% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
Visitor-reported prices
Comments
ER Visit (level 3) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Bayshore Medical Center | Holmdel | $306.48 | $306.48 – $1,776.50 |
| Ocean University Medical Center | Brick | $302.61 | $115.35 – $1,789.00 |