CMS Price Transparency Data

Psychological testing by technician

Facility: Jfk University Medical Center

Billing Code: 96138 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 96138
Insurance Median: $442
Cash Discount Price: $421
vs. Medicare Baseline: 0.97x Medicare

The contracted insurance negotiated median rate for a Psychological testing by technician at Jfk University Medical Center is $442. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $421. Compared to the federal Medicare reimbursement reference rate of $456.4, this hospital’s rate is 0.97x the Medicare baseline. Located in 65 James Street, Edison, NJ.

Cash / Self-Pay

$421

Average discount available for prompt cash payment at this facility.

Insurance Median

$442

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$456.4

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $456.4 (100%)

Cash / Self-Pay: $421 (92%)

Insurance Median: $442 (97%)

Cash: $421 (92% of Medicare)

Ins. Median: $442 (97% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $456.4 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Horizon	$21 - $579	5%
Karna	$63	14%
Aetna	$100 - $559	22%
UnitedHealthcare	$107 - $851	23%
Clover	$112	25%
Seoul Medical Group	$134	29%
Blue Cross Blue Shield	$154 - $442	34%
Amerigroup	$399 - $442	87%
Vaccn	$399 - $442	87%
Wellcare	$399 - $442	87%
United Community/Americhoice	$419 - $464	92%
Activecare First McO	$436	96%
Intergroup	$436	96%
Bergen Risk	$467	102%
Cigna	$498 - $600	109%
Prime Health	$498	109%
Multiplan - PHCS	$530	116%
Brighton Health Plan	$561	123%
Qualcare	$577	126%
Amerihealth	$589	129%
Oxford	$633 - $655	139%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $421.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 96138.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Jfk University Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 96138.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.