healthcosts.net
Shoulder MRI (with contrast) at Bayshore Medical Center
727 North Beers St., Holmdel, NJ · Hackensack Meridian Health · · NPI 1760994412
$874.49
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.
$4,498.00
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.
$737.67 with AETNA vs $5,610.00 with QUALCARE — 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 |
|---|---|---|---|
| AETNA | MANAGED MEDICAID | $737.67 | ↓ -16% |
| CIGNA | PPO | $783.71 | ↓ -10% |
| CIGNA | HMO | $783.71 | ↓ -10% |
| CLOVER | MEDICARE ADVANTAGE | $809.64 | ↓ -7% |
| AETNA | PPO | $832.96 | ↓ -5% |
| AETNA | HMO | $832.96 | ↓ -5% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $841.13 | ↓ -4% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $874.49 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $874.49 | ↑ +0% |
| VACCN | ALL PRODUCTS | $874.49 | ↑ +0% |
| WELLCARE | MANAGED MEDICAID | $874.49 | ↑ +0% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $918.21 | ↑ +5% |
| UNITED HEALTHCARE | MANAGED MEDICAID | $951.00 | ↑ +9% |
| AETNA | MEDICARE ADVANTAGE | $953.19 | ↑ +9% |
| UNITED HEALTHCARE | DSNP | $1,049.38 | ↑ +20% |
| AMERIHEALTH | LOCAL HMO | $1,094.00 | ↑ +25% |
| AMERIHEALTH | REGIONAL HMO | $1,112.92 | ↑ +27% |
| UNITED HEALTHCARE | HMO | $1,739.68 | ↑ +99% |
| OXFORD | ALL PRODUCTS | $1,739.68 | ↑ +99% |
| QUALCARE | HMO | $2,083.00 | ↑ +138% |
| QUALCARE | WORKERS COMP | $2,159.44 | ↑ +147% |
| HORIZON | MANAGED MEDICAID | $2,738.83 | ↑ +213% |
| HORIZON | PIP | $2,901.21 | ↑ +232% |
| HORIZON | WORKERS COMP | $2,901.21 | ↑ +232% |
| HORIZON | OMNIA | $3,071.68 | ↑ +251% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $3,103.62 | ↑ +255% |
| AETNA | ASA | $3,521.93 | ↑ +303% |
| CIGNA | BH | $3,598.40 | ↑ +311% |
| HORIZON | SHP | $3,756.28 | ↑ +330% |
| HORIZON | HMO | $3,793.16 | ↑ +334% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $3,823.30 | ↑ +337% |
| HORIZON | INDEMNITY | $3,847.59 | ↑ +340% |
| HORIZON | PPO | $3,882.67 | ↑ +344% |
| BERGEN RISK | ALL PRODUCTS | $4,332.00 | ↑ +395% |
| QUALCARE | PPO | $5,610.00 | ↑ +542% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
| KARNA | MEDICARE ADVANTAGE | not published by hospital | — |
Visitor-reported prices
Comments
Shoulder MRI (with contrast) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Ocean University Medical Center | Brick | $863.44 | $593.68 – $4,332.00 |
| Hackensack University Medical Center | Hackensack | $930.42 | $506.96 – $4,332.00 |