After cataract laser surgery at Jersey Shore University Medical Center
1945 NJ-33, Neptune City, NJ · Hackensack Meridian Health · · NPI 1790297547
$607.22
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.
$2,869.00
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.
$476.25 with AETNA vs $12,082.00 with HORIZON — 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 | $476.25 | ↓ -22% |
| CLOVER | MEDICARE ADVANTAGE | $516.42 | ↓ -15% |
| WELLCARE | MANAGED MEDICAID | $607.22 | ↑ +0% |
| VACCN | ALL PRODUCTS | $607.22 | ↑ +0% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $607.22 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $607.22 | ↑ +0% |
| OPTUM HEALTH | MEDICARE ADVANTAGE | $607.22 | ↑ +0% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $637.58 | ↑ +5% |
| KARNA | MEDICARE ADVANTAGE | $647.82 | ↑ +7% |
| AETNA | MEDICARE ADVANTAGE | $661.87 | ↑ +9% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $662.74 | ↑ +9% |
| UNITED HEALTHCARE | DSNP | $728.67 | ↑ +20% |
| UNITED HEALTHCARE | MANAGED MEDICAID | $1,689.84 | ↑ +178% |
| OXFORD | ALL PRODUCTS | $1,954.94 | ↑ +222% |
| HORIZON | MANAGED MEDICAID | $1,979.32 | ↑ +226% |
| BERGEN RISK | ALL PRODUCTS | $2,151.75 | ↑ +254% |
| BEACON | ALL PRODUCTS | $2,151.75 | ↑ +254% |
| HORIZON | PIP | $2,186.18 | ↑ +260% |
| QUALCARE | HMO | $2,229.21 | ↑ +267% |
| QUALCARE | PPO | $2,229.21 | ↑ +267% |
| AETNA | ASA | $2,246.43 | ↑ +270% |
| CIGNA | BH | $2,295.20 | ↑ +278% |
| UNITED HEALTHCARE | HMO | $2,437.79 | ↑ +301% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $2,438.65 | ↑ +302% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $2,438.65 | ↑ +302% |
| AMERIHEALTH | LOCAL HMO | $2,506.36 | ↑ +313% |
| QUALCARE | WORKERS COMP | $2,524.72 | ↑ +316% |
| AETNA | PPO | $2,582.10 | ↑ +325% |
| AETNA | HMO | $2,582.10 | ↑ +325% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $2,582.10 | ↑ +325% |
| AMERIHEALTH | REGIONAL HMO | $2,838.59 | ↑ +367% |
| CIGNA | HMO | $3,135.00 | ↑ +416% |
| CIGNA | PPO | $3,509.00 | ↑ +478% |
| HORIZON | OMNIA | $9,533.00 | ↑ +1470% |
| HORIZON | WORKERS COMP | $10,149.00 | ↑ +1571% |
| HORIZON | SHP | $10,970.00 | ↑ +1707% |
| HORIZON | HMO | $11,776.00 | ↑ +1839% |
| HORIZON | INDEMNITY | $11,886.00 | ↑ +1857% |
| HORIZON | PPO | $12,082.00 | ↑ +1890% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
| UBH | ALL PRODUCTS | not published by hospital | — |
Visitor-reported prices
Comments
After cataract laser surgery at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Bayshore Medical Center | Holmdel | $607.22 | $607.22 – $728.67 |
| Hackensack University Medical Center | Hackensack | $646.06 | $516.85 – $678.37 |
| Ocean University Medical Center | Brick | $599.55 | $548.60 – $719.46 |
| JFK Johnson Rehabilitation Institute (JRI) | Edison | $607.75 | $302.00 – $676.00 |
| Palisades Medical Center | North Bergen | $646.06 | $297.47 – $704.21 |
| Raritan Bay Medical Center | Perth Amboy | $607.75 | $377.50 – $729.30 |
| Riverview Medical Center | Red Bank | $607.22 | $607.22 – $728.67 |
| Southern Ocean Medical Center | Manahawkin | $599.55 | $599.55 – $719.46 |