Warde immunofixation electrophoresis urine at Hackensack University Medical Center

30 Prospect Avenue, Hackensack, NJ · Hackensack Meridian Health · · NPI 1457456279

Source: hospital's published price file ↗ · Published Dec 31, 2025 · Ingested Aug 13, 2026

$29.35

Cash price

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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.

Full explanation →

What you pay up front if you don't use insurance.

$415.00

Gross charge

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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.

Full explanation →

The hospital's undiscounted list price — almost no one pays this.

$23.48 with OPTUM HEALTH vs $402.20 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 →

Payer
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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
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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 $23.48 ↓ -20%
AETNA MANAGED MEDICAID $27.11 ↓ -8%
WELLCARE MANAGED MEDICAID $29.35 ↑ +0%
AETNA MEDICARE ADVANTAGE $29.35 ↑ +0%
VACCN ALL PRODUCTS $29.35 ↑ +0%
AMERIGROUP MANAGED MEDICAID $29.35 ↑ +0%
HORIZON MEDICARE ADVANTAGE $29.35 ↑ +0%
WELLCARE MEDICARE ADVANTAGE $29.35 ↑ +0%
SEOUL MEDICAL GROUP ALL PRODUCTS $29.35 ↑ +0%
OPTUM HEALTH MEDICARE ADVANTAGE $29.35 ↑ +0%
CLOVER MEDICARE ADVANTAGE $29.35 ↑ +0%
HORIZON BCBS BRAVEN MEDICARE ADVANTAGE $29.35 ↑ +0%
UNITED COMMUNITY/AMERICHOICE MEDICARE ADVANTAGE $30.82 ↑ +5%
LHP HEALTH ALL PRODUCTS $36.69 ↑ +25%
KARNA MEDICARE ADVANTAGE $39.04 ↑ +33%
HORIZON MANAGED MEDICAID $48.76 ↑ +66%
OXFORD ALL PRODUCTS $54.00 ↑ +84%
UNITED HEALTHCARE HMO $61.02 ↑ +108%
HORIZON OMNIA $70.73 ↑ +141%
HORIZON WORKERS COMP $74.37 ↑ +153%
INTERGROUP ALL PRODUCTS $75.60 ↑ +158%
HORIZON PIP $81.00 ↑ +176%
BERGEN RISK ALL PRODUCTS $81.00 ↑ +176%
BRIGHTON HEALTH PLAN ALL PRODUCTS $85.32 ↑ +191%
CIGNA BH $86.40 ↑ +194%
ACTIVECARE FIRST MCO ALL PRODUCTS $91.80 ↑ +213%
CHN ALL PRODUCTS $91.80 ↑ +213%
MULTIPLAN - PHCS ALL PRODUCTS $91.80 ↑ +213%
QUALCARE HMO $95.26 ↑ +225%
QUALCARE PPO $95.26 ↑ +225%
QUALCARE WORKERS COMP $95.26 ↑ +225%
HORIZON HMO $102.86 ↑ +250%
HORIZON INDEMNITY $103.39 ↑ +252%
HORIZON SHP $104.05 ↑ +255%
HORIZON FEDERAL $105.32 ↑ +259%
HORIZON PPO $105.32 ↑ +259%
AMERIHEALTH REGIONAL HMO $108.00 ↑ +268%
AMERIHEALTH LOCAL HMO $108.00 ↑ +268%
CIGNA HMO $131.80 ↑ +349%
CIGNA PPO $131.80 ↑ +349%
AETNA PPO $402.20 ↑ +1270%
AETNA HMO $402.20 ↑ +1270%
AETNA ASA $402.20 ↑ +1270%

Visitor-reported prices

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Warde immunofixation electrophoresis urine at other New-jersey hospitals

Hospital City Cash price Negotiated range
Trinitas Regional Medical Center Elizabeth $32.29 $13.79 – $136.04
Cooperman Barnabas Medical Center Livingston $32.29 $13.79 – $120.18
Community Medical Center Toms River $32.29 $13.79 – $120.18
Clara Maass Medical Center Belleville $32.29 $13.79 – $120.18
Childrens Specialized Hospital Mountainside $158.50 $23.48 – $24.18
Newark Beth Israel Medical Center Newark $32.29 $13.79 – $120.18
Jersey City Medical Center Jersey City $32.29 $13.79 – $120.18
Monmouth Medical Center Long Branch $32.29 $13.79 – $120.18

All New-jersey hospitals for this procedure →