X-ray surgical specimen at Hackensack University Medical Center
30 Prospect Avenue, Hackensack, NJ · Hackensack Meridian Health · · NPI 1457456279
$645.71
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.
$1,375.00
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.
$22.30 with HORIZON vs $1,493.34 with UNITED HEALTHCARE — 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 | $22.30 | ↓ -97% |
| AETNA | ASA | $29.30 | ↓ -95% |
| AETNA | PPO | $29.30 | ↓ -95% |
| AETNA | HMO | $29.30 | ↓ -95% |
| AMERIHEALTH | REGIONAL HMO | $45.86 | ↓ -93% |
| AMERIHEALTH | LOCAL HMO | $45.86 | ↓ -93% |
| KARNA | MEDICARE ADVANTAGE | $82.01 | ↓ -87% |
| CIGNA | PPO | $94.19 | ↓ -85% |
| CIGNA | HMO | $94.19 | ↓ -85% |
| CLOVER | MEDICARE ADVANTAGE | $247.50 | ↓ -62% |
| AETNA | MANAGED MEDICAID | $345.13 | ↓ -47% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $393.25 | ↓ -39% |
| OPTUM HEALTH | MANAGED MEDICAID | $516.57 | ↓ -20% |
| AETNA | MEDICARE ADVANTAGE | $637.97 | ↓ -1% |
| VACCN | ALL PRODUCTS | $645.71 | ↑ +0% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $645.71 | ↑ +0% |
| HORIZON | MEDICARE ADVANTAGE | $645.71 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $645.71 | ↑ +0% |
| WELLCARE | MANAGED MEDICAID | $645.71 | ↑ +0% |
| OPTUM HEALTH | MEDICARE ADVANTAGE | $645.71 | ↑ +0% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $678.00 | ↑ +5% |
| OXFORD | ALL PRODUCTS | $687.50 | ↑ +6% |
| HORIZON | OMNIA | $900.49 | ↑ +39% |
| HORIZON | WORKERS COMP | $946.83 | ↑ +47% |
| INTERGROUP | ALL PRODUCTS | $962.50 | ↑ +49% |
| BERGEN RISK | ALL PRODUCTS | $1,031.25 | ↑ +60% |
| HORIZON | PIP | $1,031.25 | ↑ +60% |
| LHP HEALTH | ALL PRODUCTS | $1,086.25 | ↑ +68% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $1,086.25 | ↑ +68% |
| CIGNA | BH | $1,100.00 | ↑ +70% |
| CHN | ALL PRODUCTS | $1,168.75 | ↑ +81% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $1,168.75 | ↑ +81% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $1,168.75 | ↑ +81% |
| QUALCARE | HMO | $1,212.75 | ↑ +88% |
| QUALCARE | PPO | $1,212.75 | ↑ +88% |
| QUALCARE | WORKERS COMP | $1,212.75 | ↑ +88% |
| HORIZON | HMO | $1,309.55 | ↑ +103% |
| HORIZON | INDEMNITY | $1,316.29 | ↑ +104% |
| HORIZON | SHP | $1,324.68 | ↑ +105% |
| HORIZON | PPO | $1,340.90 | ↑ +108% |
| HORIZON | FEDERAL | $1,340.90 | ↑ +108% |
| UNITED HEALTHCARE | HMO | $1,493.34 | ↑ +131% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
Visitor-reported prices
Comments
X-ray surgical specimen at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Trinitas Regional Medical Center | Elizabeth | $151.66 | $22.13 – $1,198.46 |
| Cooperman Barnabas Medical Center | Livingston | $171.21 | $19.88 – $1,230.30 |
| Community Medical Center | Toms River | $167.57 | $19.88 – $1,192.47 |
| Clara Maass Medical Center | Belleville | $201.08 | $19.88 – $1,224.15 |
| Newark Beth Israel Medical Center | Newark | $168.30 | $19.88 – $1,230.30 |
| Jersey City Medical Center | Jersey City | $167.90 | $19.88 – $1,284.96 |
| Monmouth Medical Center | Long Branch | $176.79 | $24.60 – $1,207.71 |
| Bayshore Medical Center | Holmdel | $606.89 | $23.80 – $1,307.42 |