Dch validity tests at Jersey Shore University Medical Center
1945 NJ-33, Neptune City, NJ · Hackensack Meridian Health · · NPI 1790297547
$3.48
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.
$45.00
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.
$2.78 with OPTUM HEALTH vs $45.00 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 |
|---|---|---|---|
| OPTUM HEALTH | MANAGED MEDICAID | $2.78 | ↓ -20% |
| CLOVER | MEDICARE ADVANTAGE | $3.48 | ↑ +0% |
| OPTUM HEALTH | MEDICARE ADVANTAGE | $3.48 | ↑ +0% |
| AMERIGROUP | MANAGED MEDICAID | $3.48 | ↑ +0% |
| WELLCARE | MANAGED MEDICAID | $3.48 | ↑ +0% |
| VACCN | ALL PRODUCTS | $3.48 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $3.48 | ↑ +0% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $3.48 | ↑ +0% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $3.65 | ↑ +5% |
| AETNA | MEDICARE ADVANTAGE | $3.79 | ↑ +9% |
| UNITED HEALTHCARE | DSNP | $4.18 | ↑ +20% |
| KARNA | MEDICARE ADVANTAGE | $4.53 | ↑ +30% |
| UNITED HEALTHCARE | MANAGED MEDICAID | $5.61 | ↑ +61% |
| AETNA | MANAGED MEDICAID | $7.47 | ↑ +115% |
| UNITED HEALTHCARE | HMO | $7.78 | ↑ +124% |
| OXFORD | ALL PRODUCTS | $7.78 | ↑ +124% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $10.44 | ↑ +200% |
| CIGNA | HMO | $15.95 | ↑ +358% |
| CIGNA | PPO | $15.95 | ↑ +358% |
| QUALCARE | HMO | $26.15 | ↑ +651% |
| HORIZON | MANAGED MEDICAID | $31.05 | ↑ +792% |
| AETNA | PPO | $31.50 | ↑ +805% |
| AETNA | HMO | $31.50 | ↑ +805% |
| HORIZON | WORKERS COMP | $32.52 | ↑ +834% |
| BERGEN RISK | ALL PRODUCTS | $33.75 | ↑ +870% |
| BEACON | ALL PRODUCTS | $33.75 | ↑ +870% |
| HORIZON | PIP | $34.29 | ↑ +885% |
| QUALCARE | PPO | $34.97 | ↑ +905% |
| AETNA | ASA | $35.24 | ↑ +913% |
| HORIZON | OMNIA | $35.70 | ↑ +926% |
| CIGNA | BH | $36.00 | ↑ +934% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $36.00 | ↑ +934% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $38.25 | ↑ +999% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $38.25 | ↑ +999% |
| AMERIHEALTH | LOCAL HMO | $39.31 | ↑ +1030% |
| QUALCARE | WORKERS COMP | $39.60 | ↑ +1038% |
| HORIZON | SHP | $43.68 | ↑ +1155% |
| HORIZON | HMO | $43.91 | ↑ +1162% |
| HORIZON | INDEMNITY | $44.39 | ↑ +1176% |
| AMERIHEALTH | REGIONAL HMO | $44.52 | ↑ +1179% |
| HORIZON | PPO | $45.00 | ↑ +1193% |
| UBH | ALL PRODUCTS | not published by hospital | — |
Visitor-reported prices
Comments
Dch validity tests at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Bayshore Medical Center | Holmdel | $3.48 | $3.48 – $15.95 |
| Hackensack University Medical Center | Hackensack | $3.48 | $1.49 – $15.63 |
| Ocean University Medical Center | Brick | $3.48 | $1.10 – $15.95 |
| JFK Johnson Rehabilitation Institute (JRI) | Edison | $3.48 | $1.10 – $16.38 |
| Palisades Medical Center | North Bergen | $3.48 | $1.64 – $15.95 |
| Raritan Bay Medical Center | Perth Amboy | $3.48 | $3.48 – $15.95 |
| Riverview Medical Center | Red Bank | $3.48 | $1.15 – $15.95 |
| Southern Ocean Medical Center | Manahawkin | $3.48 | $3.48 – $15.95 |