ER Visit (level 4) at Jersey Shore University Medical Center
1945 NJ-33, Neptune City, NJ · Hackensack Meridian Health · · NPI 1790297547
$471.32
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.
$3,036.00
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.
$196.20 with KARNA vs $4,810.00 with BRIGHTON HEALTH PLAN — 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 |
|---|---|---|---|
| KARNA | MEDICARE ADVANTAGE | $196.20 | ↓ -58% |
| UNITED HEALTHCARE | MANAGED MEDICAID | $358.00 | ↓ -24% |
| WELLCARE | MANAGED MEDICAID | $471.32 | ↑ +0% |
| HORIZON BCBS BRAVEN | MEDICARE ADVANTAGE | $471.32 | ↑ +0% |
| VACCN | ALL PRODUCTS | $471.32 | ↑ +0% |
| OPTUM HEALTH | MEDICARE ADVANTAGE | $471.32 | ↑ +0% |
| WELLCARE | MEDICARE ADVANTAGE | $471.32 | ↑ +0% |
| UNITED COMMUNITY/AMERICHOICE | MEDICARE ADVANTAGE | $494.89 | ↑ +5% |
| HORIZON | MANAGED MEDICAID | $503.00 | ↑ +7% |
| AETNA | MANAGED MEDICAID | $503.98 | ↑ +7% |
| AETNA | MEDICARE ADVANTAGE | $513.74 | ↑ +9% |
| CLOVER | MEDICARE ADVANTAGE | $546.48 | ↑ +16% |
| UNITED HEALTHCARE | DSNP | $565.59 | ↑ +20% |
| SEOUL MEDICAL GROUP | ALL PRODUCTS | $701.32 | ↑ +49% |
| AMERIHEALTH | LOCAL HMO | $1,345.00 | ↑ +185% |
| BEACON | ALL PRODUCTS | $1,371.00 | ↑ +191% |
| BERGEN RISK | ALL PRODUCTS | $1,522.00 | ↑ +223% |
| AMERIHEALTH | REGIONAL HMO | $1,522.00 | ↑ +223% |
| CIGNA | HMO | $1,897.00 | ↑ +302% |
| CIGNA | PPO | $2,123.00 | ↑ +350% |
| QUALCARE | HMO | $2,142.00 | ↑ +354% |
| QUALCARE | PPO | $2,142.00 | ↑ +354% |
| HORIZON | PIP | $2,313.43 | ↑ +391% |
| AETNA | ASA | $2,377.19 | ↑ +404% |
| CIGNA | BH | $2,428.80 | ↑ +415% |
| ACTIVECARE FIRST MCO | ALL PRODUCTS | $2,580.60 | ↑ +448% |
| MULTIPLAN - PHCS | ALL PRODUCTS | $2,580.60 | ↑ +448% |
| QUALCARE | WORKERS COMP | $2,671.68 | ↑ +467% |
| HORIZON | OMNIA | $2,826.00 | ↑ +500% |
| OXFORD | ALL PRODUCTS | $2,901.00 | ↑ +516% |
| UNITED HEALTHCARE | HMO | $3,032.00 | ↑ +543% |
| HORIZON | SHP | $3,226.00 | ↑ +584% |
| AETNA | HMO | $3,441.00 | ↑ +630% |
| AETNA | PPO | $3,441.00 | ↑ +630% |
| HORIZON | HMO | $3,491.00 | ↑ +641% |
| HORIZON | INDEMNITY | $3,871.00 | ↑ +721% |
| HORIZON | PPO | $4,364.00 | ↑ +826% |
| HORIZON | WORKERS COMP | $4,497.00 | ↑ +854% |
| BRIGHTON HEALTH PLAN | ALL PRODUCTS | $4,810.00 | ↑ +921% |
| AMERIGROUP | MANAGED MEDICAID | not published by hospital | — |
| UBH | ALL PRODUCTS | not published by hospital | — |
Visitor-reported prices
Comments
ER Visit (level 4) at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Bayshore Medical Center | Holmdel | $471.32 | $471.32 – $1,787.00 |
| Hackensack University Medical Center | Hackensack | $501.47 | $200.68 – $1,944.00 |
| Ocean University Medical Center | Brick | $465.37 | $140.00 – $1,789.00 |
| JFK Johnson Rehabilitation Institute (JRI) | Edison | $471.73 | $200.68 – $3,800.00 |
| Palisades Medical Center | North Bergen | $501.47 | $200.68 – $1,522.00 |
| Raritan Bay Medical Center | Perth Amboy | $471.73 | $140.00 – $1,699.00 |
| Riverview Medical Center | Red Bank | $471.32 | $140.00 – $1,836.00 |
| Southern Ocean Medical Center | Manahawkin | $465.37 | $140.00 – $1,522.00 |