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Lower Back (Lumbar Spine) CT scan (without contrast) at Hackensack University Medical Center
30 Prospect Avenue, Hackensack, NJ · Hackensack Meridian Health · · NPI 1457456279
$125.23
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.
$2,310.00
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.
$100.19 with OPTUM HEALTH vs $2,252.71 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 |
|---|---|---|---|
| OPTUM HEALTH | MANAGED MEDICAID | $100.19 | ↓ -20% |
| OPTUM HEALTH | MEDICARE ADVANTAGE | $125.23 | ↑ +0% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $125.23 | ↑ +0% |
| HORIZON | MEDICARE ADVANTAGE | $125.23 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $125.23 | ↑ +0% |
| VACCN | ALL PRODUCTS | $125.23 | ↑ +0% |
| WELLCARE | MANAGED MEDICAID | $125.23 | ↑ +0% |
| AETNA | MEDICARE ADVANTAGE | $127.14 | ↑ +2% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $131.49 | ↑ +5% |
| HORIZON | MANAGED MEDICAID | $217.01 | ↑ +73% |
| CIGNA | PPO | $250.62 | ↑ +100% |
| CIGNA | HMO | $250.62 | ↑ +100% |
| KARNA | MEDICARE ADVANTAGE | $254.38 | ↑ +103% |
| UNITED HEALTHCARE | HMO | $336.99 | ↑ +169% |
| OXFORD | ALL PRODUCTS | $336.99 | ↑ +169% |
| AETNA | PPO | $385.52 | ↑ +208% |
| AETNA | ASA | $385.52 | ↑ +208% |
| AETNA | HMO | $385.52 | ↑ +208% |
| CLOVER | MEDICARE ADVANTAGE | $415.80 | ↑ +232% |
| AMERIHEALTH | LOCAL HMO | $552.35 | ↑ +341% |
| AMERIHEALTH | REGIONAL HMO | $552.35 | ↑ +341% |
| AETNA | MANAGED MEDICAID | $579.81 | ↑ +363% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $660.66 | ↑ +428% |
| HORIZON | OMNIA | $1,512.82 | ↑ +1108% |
| HORIZON | WORKERS COMP | $1,590.67 | ↑ +1170% |
| INTERGROUP | ALL PRODUCTS | $1,617.00 | ↑ +1191% |
| HORIZON | PIP | $1,732.50 | ↑ +1283% |
| BERGEN RISK | ALL PRODUCTS | $1,732.50 | ↑ +1283% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $1,824.90 | ↑ +1357% |
| CIGNA | BH | $1,848.00 | ↑ +1376% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $1,963.50 | ↑ +1468% |
| CHN | ALL PRODUCTS | $1,963.50 | ↑ +1468% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $1,963.50 | ↑ +1468% |
| LHP HEALTH | ALL PRODUCTS | $2,028.74 | ↑ +1520% |
| QUALCARE | HMO | $2,037.42 | ↑ +1527% |
| QUALCARE | WORKERS COMP | $2,037.42 | ↑ +1527% |
| QUALCARE | PPO | $2,037.42 | ↑ +1527% |
| HORIZON | HMO | $2,200.04 | ↑ +1657% |
| HORIZON | INDEMNITY | $2,211.36 | ↑ +1666% |
| HORIZON | SHP | $2,225.45 | ↑ +1677% |
| HORIZON | FEDERAL | $2,252.71 | ↑ +1699% |
| HORIZON | PPO | $2,252.71 | ↑ +1699% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
Visitor-reported prices
Comments
Lower Back (Lumbar Spine) CT scan (without contrast) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Bayshore Medical Center | Holmdel | $117.70 | $117.70 – $2,593.35 |
| Ocean University Medical Center | Brick | $116.22 | $106.34 – $2,288.25 |