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Lower Back (Lumbar Spine) CT scan (with contrast) at Hackensack University Medical Center
30 Prospect Avenue, Hackensack, NJ · Hackensack Meridian Health · · NPI 1457456279
$420.58
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.
$2,556.00
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.
$253.01 with HORIZON vs $2,492.61 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 |
|---|---|---|---|
| HORIZON | MANAGED MEDICAID | $253.01 | ↓ -40% |
| KARNA | MEDICARE ADVANTAGE | $333.73 | ↓ -21% |
| OPTUM HEALTH | MANAGED MEDICAID | $336.46 | ↓ -20% |
| CIGNA | PPO | $340.79 | ↓ -19% |
| CIGNA | HMO | $340.79 | ↓ -19% |
| OPTUM HEALTH | MEDICARE ADVANTAGE | $420.58 | ↑ +0% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $420.58 | ↑ +0% |
| HORIZON | MEDICARE ADVANTAGE | $420.58 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $420.58 | ↑ +0% |
| VACCN | ALL PRODUCTS | $420.58 | ↑ +0% |
| WELLCARE | MANAGED MEDICAID | $420.58 | ↑ +0% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $441.61 | ↑ +5% |
| AETNA | MEDICARE ADVANTAGE | $444.73 | ↑ +6% |
| CLOVER | MEDICARE ADVANTAGE | $460.08 | ↑ +9% |
| AETNA | PPO | $577.14 | ↑ +37% |
| AETNA | ASA | $577.14 | ↑ +37% |
| AETNA | HMO | $577.14 | ↑ +37% |
| AETNA | MANAGED MEDICAID | $641.56 | ↑ +53% |
| AMERIHEALTH | LOCAL HMO | $644.08 | ↑ +53% |
| AMERIHEALTH | REGIONAL HMO | $644.08 | ↑ +53% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $731.02 | ↑ +74% |
| UNITED HEALTHCARE | HMO | $1,138.41 | ↑ +171% |
| OXFORD | ALL PRODUCTS | $1,138.41 | ↑ +171% |
| HORIZON | OMNIA | $1,673.92 | ↑ +298% |
| HORIZON | WORKERS COMP | $1,760.06 | ↑ +318% |
| INTERGROUP | ALL PRODUCTS | $1,789.20 | ↑ +325% |
| HORIZON | PIP | $1,917.00 | ↑ +356% |
| BERGEN RISK | ALL PRODUCTS | $1,917.00 | ↑ +356% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $2,019.24 | ↑ +380% |
| CIGNA | BH | $2,044.80 | ↑ +386% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $2,172.60 | ↑ +417% |
| CHN | ALL PRODUCTS | $2,172.60 | ↑ +417% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $2,172.60 | ↑ +417% |
| QUALCARE | HMO | $2,254.39 | ↑ +436% |
| QUALCARE | WORKERS COMP | $2,254.39 | ↑ +436% |
| QUALCARE | PPO | $2,254.39 | ↑ +436% |
| LHP HEALTH | ALL PRODUCTS | $2,426.69 | ↑ +477% |
| HORIZON | HMO | $2,434.33 | ↑ +479% |
| HORIZON | INDEMNITY | $2,446.86 | ↑ +482% |
| HORIZON | SHP | $2,462.45 | ↑ +485% |
| HORIZON | FEDERAL | $2,492.61 | ↑ +493% |
| HORIZON | PPO | $2,492.61 | ↑ +493% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
Visitor-reported prices
Comments
Lower Back (Lumbar Spine) CT scan (with contrast) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Bayshore Medical Center | Holmdel | $395.29 | $347.76 – $2,901.90 |
| Ocean University Medical Center | Brick | $390.30 | $317.95 – $2,560.50 |