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Lower Back (Lumbar Spine) MRI (with and without 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.
$5,433.00
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.
$336.46 with OPTUM HEALTH vs $5,298.26 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 | $336.46 | ↓ -20% |
| 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% |
| KARNA | MEDICARE ADVANTAGE | $632.30 | ↑ +50% |
| CIGNA | PPO | $679.71 | ↑ +62% |
| CIGNA | HMO | $679.71 | ↑ +62% |
| HORIZON | MANAGED MEDICAID | $808.90 | ↑ +92% |
| AETNA | PPO | $909.83 | ↑ +116% |
| AETNA | ASA | $909.83 | ↑ +116% |
| AETNA | HMO | $909.83 | ↑ +116% |
| CLOVER | MEDICARE ADVANTAGE | $977.94 | ↑ +133% |
| UNITED HEALTHCARE | HMO | $1,138.41 | ↑ +171% |
| OXFORD | ALL PRODUCTS | $1,138.41 | ↑ +171% |
| AETNA | MANAGED MEDICAID | $1,363.68 | ↑ +224% |
| AMERIHEALTH | LOCAL HMO | $1,535.41 | ↑ +265% |
| AMERIHEALTH | REGIONAL HMO | $1,535.41 | ↑ +265% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $1,553.84 | ↑ +269% |
| CHN | ALL PRODUCTS | $1,570.61 | ↑ +273% |
| HORIZON | OMNIA | $3,558.07 | ↑ +746% |
| HORIZON | WORKERS COMP | $3,741.16 | ↑ +790% |
| INTERGROUP | ALL PRODUCTS | $3,803.10 | ↑ +804% |
| HORIZON | PIP | $4,074.75 | ↑ +869% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $4,292.07 | ↑ +921% |
| LHP HEALTH | ALL PRODUCTS | $4,292.07 | ↑ +921% |
| BERGEN RISK | ALL PRODUCTS | $4,332.00 | ↑ +930% |
| CIGNA | BH | $4,346.40 | ↑ +933% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $4,618.05 | ↑ +998% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $4,618.05 | ↑ +998% |
| QUALCARE | HMO | $4,791.91 | ↑ +1039% |
| QUALCARE | WORKERS COMP | $4,791.91 | ↑ +1039% |
| QUALCARE | PPO | $4,791.91 | ↑ +1039% |
| HORIZON | HMO | $5,174.39 | ↑ +1130% |
| HORIZON | INDEMNITY | $5,201.01 | ↑ +1137% |
| HORIZON | SHP | $5,234.15 | ↑ +1145% |
| HORIZON | FEDERAL | $5,298.26 | ↑ +1160% |
| HORIZON | PPO | $5,298.26 | ↑ +1160% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
Visitor-reported prices
Comments
Lower Back (Lumbar Spine) MRI (with and without contrast) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Bayshore Medical Center | Holmdel | $395.29 | $395.29 – $5,133.15 |
| Ocean University Medical Center | Brick | $390.30 | $357.13 – $4,618.05 |