healthcosts.net
Lower Back (Lumbar Spine) MRI (without contrast) at Bayshore Medical Center
727 North Beers St., Holmdel, NJ · Hackensack Meridian Health · · NPI 1760994412
$267.55
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.
$4,439.00
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.
$267.55 with HORIZON BCBS BRAVEN 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 |
|---|---|---|---|
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $267.55 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $267.55 | ↑ +0% |
| VACCN | ALL PRODUCTS | $267.55 | ↑ +0% |
| WELLCARE | MANAGED MEDICAID | $267.55 | ↑ +0% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $280.93 | ↑ +5% |
| AETNA | MEDICARE ADVANTAGE | $291.63 | ↑ +9% |
| UNITED HEALTHCARE | DSNP | $321.06 | ↑ +20% |
| CIGNA | PPO | $393.77 | ↑ +47% |
| CIGNA | HMO | $393.77 | ↑ +47% |
| AETNA | PPO | $417.98 | ↑ +56% |
| AETNA | HMO | $417.98 | ↑ +56% |
| UNITED HEALTHCARE | HMO | $559.79 | ↑ +109% |
| OXFORD | ALL PRODUCTS | $559.79 | ↑ +109% |
| AETNA | MANAGED MEDICAID | $728.00 | ↑ +172% |
| CLOVER | MEDICARE ADVANTAGE | $799.02 | ↑ +199% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $830.09 | ↑ +210% |
| AMERIHEALTH | LOCAL HMO | $944.81 | ↑ +253% |
| UNITED HEALTHCARE | MANAGED MEDICAID | $951.00 | ↑ +255% |
| AMERIHEALTH | REGIONAL HMO | $961.16 | ↑ +259% |
| QUALCARE | HMO | $2,083.00 | ↑ +679% |
| QUALCARE | WORKERS COMP | $2,159.44 | ↑ +707% |
| HORIZON | MANAGED MEDICAID | $2,702.91 | ↑ +910% |
| HORIZON | PIP | $2,863.16 | ↑ +970% |
| HORIZON | WORKERS COMP | $2,863.16 | ↑ +970% |
| HORIZON | OMNIA | $3,031.39 | ↑ +1033% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $3,062.91 | ↑ +1045% |
| QUALCARE | PPO | $3,291.00 | ↑ +1130% |
| AETNA | ASA | $3,475.74 | ↑ +1199% |
| CIGNA | BH | $3,551.20 | ↑ +1227% |
| HORIZON | SHP | $3,707.01 | ↑ +1286% |
| HORIZON | HMO | $3,743.41 | ↑ +1299% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $3,773.15 | ↑ +1310% |
| HORIZON | INDEMNITY | $3,797.12 | ↑ +1319% |
| HORIZON | PPO | $3,831.74 | ↑ +1332% |
| BERGEN RISK | ALL PRODUCTS | $4,332.00 | ↑ +1519% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
| KARNA | MEDICARE ADVANTAGE | 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 |
|---|---|---|---|
| Hackensack University Medical Center | Hackensack | $284.66 | $227.73 – $4,332.00 |
| Ocean University Medical Center | Brick | $264.17 | $241.72 – $4,332.00 |