Surgical pathology level 5 gross & microscopic examination at Hackensack University Medical Center
30 Prospect Avenue, Hackensack, NJ · Hackensack Meridian Health · · NPI 1457456279
$423.63
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.
$1,100.00
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.
$87.72 with HORIZON vs $2,145.55 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 |
|---|---|---|---|
| HORIZON | MANAGED MEDICAID | $87.72 | ↓ -79% |
| AETNA | MANAGED MEDICAID | $276.10 | ↓ -35% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $314.60 | ↓ -26% |
| OPTUM HEALTH | MANAGED MEDICAID | $338.90 | ↓ -20% |
| AETNA | MEDICARE ADVANTAGE | $415.67 | ↓ -2% |
| WELLCARE | MANAGED MEDICAID | $423.63 | ↑ +0% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $423.63 | ↑ +0% |
| HORIZON | MEDICARE ADVANTAGE | $423.63 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $423.63 | ↑ +0% |
| VACCN | ALL PRODUCTS | $423.63 | ↑ +0% |
| OPTUM HEALTH | MEDICARE ADVANTAGE | $423.63 | ↑ +0% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $444.81 | ↑ +5% |
| OXFORD | ALL PRODUCTS | $550.00 | ↑ +30% |
| UNITED HEALTHCARE | HMO | $672.67 | ↑ +59% |
| HORIZON | OMNIA | $720.39 | ↑ +70% |
| HORIZON | WORKERS COMP | $757.46 | ↑ +79% |
| INTERGROUP | ALL PRODUCTS | $770.00 | ↑ +82% |
| BERGEN RISK | ALL PRODUCTS | $825.00 | ↑ +95% |
| HORIZON | PIP | $825.00 | ↑ +95% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $869.00 | ↑ +105% |
| LHP HEALTH | ALL PRODUCTS | $869.00 | ↑ +105% |
| CIGNA | BH | $880.00 | ↑ +108% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $935.00 | ↑ +121% |
| CHN | ALL PRODUCTS | $935.00 | ↑ +121% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $935.00 | ↑ +121% |
| QUALCARE | HMO | $970.20 | ↑ +129% |
| QUALCARE | PPO | $970.20 | ↑ +129% |
| QUALCARE | WORKERS COMP | $970.20 | ↑ +129% |
| HORIZON | HMO | $1,047.64 | ↑ +147% |
| HORIZON | INDEMNITY | $1,053.03 | ↑ +149% |
| HORIZON | SHP | $1,059.74 | ↑ +150% |
| CIGNA | HMO | $1,064.25 | ↑ +151% |
| CIGNA | PPO | $1,064.25 | ↑ +151% |
| HORIZON | PPO | $1,072.72 | ↑ +153% |
| HORIZON | FEDERAL | $1,072.72 | ↑ +153% |
| AMERIHEALTH | LOCAL HMO | $1,100.00 | ↑ +160% |
| AMERIHEALTH | REGIONAL HMO | $1,100.00 | ↑ +160% |
| AETNA | PPO | $2,145.55 | ↑ +406% |
| AETNA | HMO | $2,145.55 | ↑ +406% |
| AETNA | ASA | $2,145.55 | ↑ +406% |
| KARNA | MEDICARE ADVANTAGE | not published by hospital | — |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
| CLOVER | MEDICARE ADVANTAGE | not published by hospital | — |
Visitor-reported prices
Comments
Surgical pathology level 5 gross & microscopic examination at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Trinitas Regional Medical Center | Elizabeth | $287.18 | $152.33 – $836.55 |
| Cooperman Barnabas Medical Center | Livingston | $274.41 | $96.76 – $836.55 |
| Community Medical Center | Toms River | $317.32 | $96.76 – $836.55 |
| Clara Maass Medical Center | Belleville | $221.77 | $96.76 – $836.55 |
| Newark Beth Israel Medical Center | Newark | $269.74 | $96.76 – $836.55 |
| Jersey City Medical Center | Jersey City | $317.93 | $96.76 – $843.02 |
| Monmouth Medical Center | Long Branch | $334.76 | $96.76 – $836.55 |
| Bayshore Medical Center | Holmdel | $398.16 | $180.98 – $597.81 |