Knee Arthroscopy (Cartilage Smoothing) at Monmouth Medical Center Southern Campus
600 River Ave, Lakewood, NJ · RWJBarnabas Health · · NPI 1225133473
$4,350.00
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.
not published by hospital
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.
$1,030.68 with Horizon Blue Cross Blue Shield of New Jersey vs $23,828.00 with Cigna — 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 Blue Cross Blue Shield of New Jersey | NJ Health | $1,030.68 | ↓ -76% |
| Wellpoint | NJ Family Care | $3,266.00 | ↓ -25% |
| Fidelis Care | Medicare Advantage | $3,545.97 | ↓ -18% |
| Clover | Medicare Advantage | $3,545.97 | ↓ -18% |
| Aetna | Medicare | $3,545.97 | ↓ -18% |
| Humana | Medicare | $3,545.97 | ↓ -18% |
| Horizon Blue Cross Blue Shield of New Jersey | Medicare Advantage | $3,545.97 | ↓ -18% |
| Wellpoint | Medicare Advantage | $3,545.97 | ↓ -18% |
| United Healthcare | Medicare | $3,616.89 | ↓ -17% |
| Qualcare Inc | HMO/POS | $4,148.00 | ↓ -5% |
| United Healthcare | Oxford Metro | $4,791.00 | ↑ +10% |
| United Healthcare | Nexus | $5,390.00 | ↑ +24% |
| United Healthcare | Oxford Commercial | $5,637.00 | ↑ +30% |
| Emblem Health | Commercial | $6,205.45 | ↑ +43% |
| United Healthcare | Commercial | $6,341.00 | ↑ +46% |
| Wellcare | Ambetter Health Commercial | $7,056.48 | ↑ +62% |
| Aetna | PPO | $7,116.00 | ↑ +64% |
| Aetna | HMO | $7,116.00 | ↑ +64% |
| Cigna | Local Plus | $17,804.00 | ↑ +309% |
| Cigna | HMO | $22,623.00 | ↑ +420% |
| Cigna | PPO | $23,828.00 | ↑ +448% |
| Horizon Blue Cross Blue Shield of New Jersey | Non-Managed | not published by hospital | — |
| Amerihealth | Local Value | not published by hospital | — |
| Amerihealth | Regional Preferred | not published by hospital | — |
| Fidelis Care | NJ Family Care | not published by hospital | — |
| First Health | Commercial | not published by hospital | — |
| Horizon Blue Cross Blue Shield of New Jersey | Managed | not published by hospital | — |
| Aetna | Better Health | not published by hospital | — |
| Horizon Blue Cross Blue Shield of New Jersey | Omnia | not published by hospital | — |
| Horizon Blue Cross Blue Shield of New Jersey | PIP | not published by hospital | — |
| Horizon Blue Cross Blue Shield of New Jersey | State Benefit Plan | not published by hospital | — |
| Horizon Blue Cross Blue Shield of New Jersey | Worker's Comp | not published by hospital | — |
| Qualcare Inc | PPO/WC | not published by hospital | — |
| United Healthcare | Community Plan | not published by hospital | — |
Visitor-reported prices
Comments
Knee Arthroscopy (Cartilage Smoothing) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Trinitas Regional Medical Center | Elizabeth | $5,855.00 | $322.05 – $7,091.94 |
| Cooperman Barnabas Medical Center | Livingston | $6,839.00 | $418.32 – $7,280.38 |
| Community Medical Center | Toms River | $3,786.00 | $428.40 – $7,056.48 |
| Clara Maass Medical Center | Belleville | $3,986.00 | $413.28 – $7,243.98 |
| Newark Beth Israel Medical Center | Newark | $4,881.00 | $331.53 – $7,280.38 |
| Jersey City Medical Center | Jersey City | $5,339.00 | $416.78 – $7,603.89 |
| Monmouth Medical Center | Long Branch | $5,419.00 | $826.56 – $7,146.75 |
| Bayshore Medical Center | Holmdel | $3,591.33 | $3,591.33 – $15,984.00 |