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Lower Back (Lumbar Spine) MRI (without contrast) at Hackensack University Medical Center
30 Prospect Avenue, Hackensack, NJ · Hackensack Meridian Health · · NPI 1457456279
$284.66
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.
$3,887.00
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.
$227.73 with OPTUM HEALTH vs $4,332.00 with BERGEN RISK — 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 | $227.73 | ↓ -20% |
| AETNA | MEDICARE ADVANTAGE | $283.37 | ↓ -0% |
| OPTUM HEALTH | MEDICARE ADVANTAGE | $284.66 | ↑ +0% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $284.66 | ↑ +0% |
| HORIZON | MEDICARE ADVANTAGE | $284.66 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $284.66 | ↑ +0% |
| VACCN | ALL PRODUCTS | $284.66 | ↑ +0% |
| WELLCARE | MANAGED MEDICAID | $284.66 | ↑ +0% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $298.90 | ↑ +5% |
| KARNA | MEDICARE ADVANTAGE | $378.00 | ↑ +33% |
| CIGNA | PPO | $385.88 | ↑ +36% |
| CIGNA | HMO | $385.88 | ↑ +36% |
| HORIZON | MANAGED MEDICAID | $490.61 | ↑ +72% |
| AETNA | PPO | $514.48 | ↑ +81% |
| AETNA | ASA | $514.48 | ↑ +81% |
| AETNA | HMO | $514.48 | ↑ +81% |
| CLOVER | MEDICARE ADVANTAGE | $699.66 | ↑ +146% |
| UNITED HEALTHCARE | HMO | $711.68 | ↑ +150% |
| OXFORD | ALL PRODUCTS | $711.68 | ↑ +150% |
| AMERIHEALTH | LOCAL HMO | $947.17 | ↑ +233% |
| AMERIHEALTH | REGIONAL HMO | $947.17 | ↑ +233% |
| AETNA | MANAGED MEDICAID | $975.64 | ↑ +243% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $1,111.68 | ↑ +291% |
| CHN | ALL PRODUCTS | $1,570.61 | ↑ +452% |
| LHP HEALTH | ALL PRODUCTS | $2,471.27 | ↑ +768% |
| HORIZON | OMNIA | $2,545.60 | ↑ +794% |
| HORIZON | WORKERS COMP | $2,676.59 | ↑ +840% |
| INTERGROUP | ALL PRODUCTS | $2,720.90 | ↑ +856% |
| HORIZON | PIP | $2,915.25 | ↑ +924% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $3,070.73 | ↑ +979% |
| CIGNA | BH | $3,109.60 | ↑ +992% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $3,303.95 | ↑ +1061% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $3,303.95 | ↑ +1061% |
| QUALCARE | HMO | $3,428.33 | ↑ +1104% |
| QUALCARE | WORKERS COMP | $3,428.33 | ↑ +1104% |
| QUALCARE | PPO | $3,428.33 | ↑ +1104% |
| HORIZON | HMO | $3,701.98 | ↑ +1200% |
| HORIZON | INDEMNITY | $3,721.03 | ↑ +1207% |
| HORIZON | SHP | $3,744.74 | ↑ +1216% |
| HORIZON | FEDERAL | $3,790.60 | ↑ +1232% |
| HORIZON | PPO | $3,790.60 | ↑ +1232% |
| BERGEN RISK | ALL PRODUCTS | $4,332.00 | ↑ +1422% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
Visitor-reported prices
Comments
Lower Back (Lumbar Spine) MRI (without contrast) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Bayshore Medical Center | Holmdel | $267.55 | $267.55 – $4,332.00 |
| Ocean University Medical Center | Brick | $264.17 | $241.72 – $4,332.00 |