Ins mark thor for right perq at Community Medical Center
99 NJ-37, Toms River, NJ · RWJBarnabas Health · · NPI 1013010917
$3,786.00
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.
$4,059.00
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.
$503.72 with United Healthcare vs $7,162.00 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 |
|---|---|---|---|
| United Healthcare | Community Plan | $503.72 | ↓ -87% |
| Fidelis Care | NJ Family Care | $513.05 | ↓ -86% |
| Aetna | Better Health | $551.21 | ↓ -85% |
| Wellpoint | Medicare Advantage | $1,495.34 | ↓ -61% |
| Humana | Medicare | $1,495.34 | ↓ -61% |
| Horizon Blue Cross Blue Shield of New Jersey | Medicare Advantage | $1,495.34 | ↓ -61% |
| Aetna | Medicare | $1,495.34 | ↓ -61% |
| Fidelis Care | Medicare Advantage | $1,495.34 | ↓ -61% |
| Clover Health | Medicare Advantage | $1,495.34 | ↓ -61% |
| United Healthcare | Medicare | $1,525.25 | ↓ -60% |
| First Health | Commercial | $2,435.40 | ↓ -36% |
| Emblem Health | Commercial | $2,616.85 | ↓ -31% |
| Horizon Blue Cross Blue Shield of New Jersey | Omnia | $2,636.32 | ↓ -30% |
| Wellcare | Ambetter Health Commercial | $2,975.73 | ↓ -21% |
| Amerihealth | Regional Preferred | $3,023.95 | ↓ -20% |
| Amerihealth | Local Value | $3,023.95 | ↓ -20% |
| Horizon Blue Cross Blue Shield of New Jersey | State Benefit Plan | $3,044.25 | ↓ -20% |
| Qualcare Inc | PPO/WC | $3,068.60 | ↓ -19% |
| Horizon Blue Cross Blue Shield of New Jersey | Managed | $3,196.05 | ↓ -16% |
| Horizon Blue Cross Blue Shield of New Jersey | Non-Managed | $3,248.41 | ↓ -14% |
| Wellpoint | NJ Family Care | $3,266.00 | ↓ -14% |
| United Healthcare | Oxford Metro | $3,417.00 | ↓ -10% |
| Horizon Blue Cross Blue Shield of New Jersey | Worker's Comp | $3,450.15 | ↓ -9% |
| Qualcare Inc | HMO/POS | $3,617.00 | ↓ -4% |
| Horizon Blue Cross Blue Shield of New Jersey | PIP | $3,713.57 | ↓ -2% |
| United Healthcare | Nexus | $3,845.00 | ↑ +2% |
| United Healthcare | Oxford Commercial | $4,020.00 | ↑ +6% |
| Aetna | HMO | $4,174.00 | ↑ +10% |
| Aetna | PPO | $4,174.00 | ↑ +10% |
| United Healthcare | Commercial | $4,523.00 | ↑ +19% |
| Cigna | Local Plus | $5,352.00 | ↑ +41% |
| Cigna | HMO | $6,800.00 | ↑ +80% |
| Cigna | PPO | $7,162.00 | ↑ +89% |
Visitor-reported prices
Comments
Ins mark thor for right perq at other New-jersey hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Trinitas Regional Medical Center | Elizabeth | $5,855.00 | $260.08 – $2,990.68 |
| Cooperman Barnabas Medical Center | Livingston | $6,839.00 | $1,535.08 – $3,070.16 |
| Clara Maass Medical Center | Belleville | $3,986.00 | $1,535.08 – $3,054.81 |
| Newark Beth Israel Medical Center | Newark | $4,881.00 | $267.73 – $3,070.16 |
| Jersey City Medical Center | Jersey City | $5,339.00 | $336.57 – $3,206.59 |
| Monmouth Medical Center | Long Branch | $5,419.00 | $1,514.47 – $3,013.80 |
| Bayshore Medical Center | Holmdel | $1,514.47 | $1,514.47 – $1,817.37 |
| Hackensack University Medical Center | Hackensack | $1,611.35 | $359.72 – $1,691.91 |