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Billing & Insurance

Billing & Insurance2020-01-22T16:34:25-04:00

Billing & Insurance

At CentraState, our goal is for you to focus on getting healthy, not on insurance claims or payment hassles. For information regarding your bill and post-billing time payment arrangements, please call 732-294-7065.

Pay Your Bill Online


CentraState accepts a wide variety of health insurance plans. Most of those plans are listed on the chart below*. Because insurers generally offer a variety of plans with different levels of coverage, you should always check with your insurance carrier to verify what services are covered, the extent (percentage) of coverage provided, and what, if any, deductibles, co-pays, and/or other expenses you may be responsible for under your particular insurance plan.

For the latest information about your coverage, please check with your insurance carrier. You can also contact our Managed Care office directly by calling 732-294-7055.

Resources: NJHA Guide to Using Health Insurance

Please NOTE:

Physicians who participate in your care, including emergency room physicians, surgeons, radiologists, anesthesiologists, pathologists, and consultants may or may not participate with the same insurance plans as CentraState. CentraState cannot assure that all physicians or consultants participate with all insurance plans. Your physicians’ bills will be separate from the medical center bill. Please contact your insurance company to find out if these physicians are covered by your insurance plan.

If you have questions regarding a physician’s bill that was received in relationship to medical care provided at CentraState, please contact the physician’s billing office or the physician group. Contact information for our contracted physicians and groups is provided below. Some specialized care at CentraState may be provided by independent physicians who are professionally affiliated with CentraState, but neither directly employed nor contracted by the medical center. For any questions regarding an independent physician’s bill that does not have information listed below, please call the number provided on their bill.

CentraState Medical Center is a participating provider in all Horizon Blue Cross Blue Shield Commercial health plans. Due to continuing changes in benefit plan designs, be sure to check your specific plan details for any restrictions/changes in coverage. In addition, CentraState Medical Center and Immediate Care Medical Walk-in are fully participating members of Aetna Insurance.

*Please scroll horizontal to view full table details.

Active Care (Workers’ Comp)X
Aetna Health Plans of NJXXXX
America’s Health PlanX
BeechStreet PPOX
Clover HealthX
Consumer Health Network (CHN)X
Devon Health ServicesX
Empire BlueCross/BlueShieldX
Emblem HealthPPO
First MCO (Workers’ Comp)X
Geisinger Health PlanXX
Great-West (Cigna)X
HealthNet Federal Health Services (TriCare-Champus)X
Health Republic Insurance of NJXX
Horizon BlueCross/BlueShield of NJXXXX
Horizon Medicare Blue Products*:

Horizon Medicare Advantage NJ Direct 10-15 (PPO),

Horizon Medicare Blue Value (HMO),

Horizon Medicare Blue Choice (HMO),

Horizon Medicare Blue Access Group (HMO/POS),

Horizon Medicare Blue (PPO),

Horizon Medicare Group (PPO)

*We do not accept Horizon Medicare Blue Advantage (HMO)

Horizon Casualty Services (Workers Comp & No Fault)XX
Intergroup Services CorpX
MCS Patient Centered Health Care NetworkX
National Provider NetworkX
Optum Behavioral HealthX
Oxford Health PlansXXX
Private Healthcare SystemsX
QualCare Workers CompXX
United HealthcareXXX

*Please note this list is subject to change.

Click here to learn more about the New Jersey Out-of-Network Consumer Protection, Transparency, Cost Containment and Accountability Act.

Step 1 – If a patient has insurance and proper information is submitted by the patient or patient’s representative during a hospital stay, CentraState will bill the patient’s charges to the insurance company as soon as possible after discharge.

Patients scheduled for elective admissions, or for elective outpatient procedures, must make arrangements prior to their admission for the payment of any amounts that will not be covered by the patient’s insurance.

Any patient having inadequate insurance coverage, or no insurance coverage, will be asked to make appropriate deposits at the time of admission. If you need information about deposit requirements and pre-payment options, call 732-294-2632.

Step 2 – Shortly after receiving care at CentraState, you will receive a statement describing the charges for services you received. The statement will include information on where to send payment along with posting of information from your insurance company if you have insurance.

CentraState will work closely with patients and their insurance companies regarding payment, however patients have the final responsibility of settling their accounts.

Dependent on the type of encounter, your bill could be comprised of a single charge or many charges. Charges may include: room and board, medical procedures, supplies, medication and testing (lab and diagnostic tests).

Charges for patient care provided may fluctuate based on variables such as complexity of specific patient care needs and physician decisions made during the course of care delivery.

Most patients will not pay charges. If you have health insurance, you will be responsible for payments established by your health plan, such as specified deductibles, copays, coinsurance and any non-covered services. Please check with your insurance for those amounts.

If you do not have insurance, please see FAQ “What if I do not have insurance?” below.

Hospital Standard Charges

The hospital chargemaster is a comprehensive listing of items billable to a hospital’s patient or a patient’s health insurance provider.

View the Chargemaster

A DRG, or diagnostic related grouping, is how Medicare and other health insurance companies categorize hospitalization acuity and determine payment for a patient’s hospital stay. The charges are almost always not the price paid. The assignment of the DRG, based on patient diagnoses, procedures and other factors, determines the fixed amount the insurer will pay.

View Inpatient Average Charges by DRG

This list is reflective of the charges in the chargemaster on 1/1/2020.


Charge: The dollar amount a provider sets for services rendered before negotiating any discounts. The charge in most instances is different than the amount paid.

Price: The total amount a provider expects to be paid by payers and patients for healthcare services.

Charge information is not necessarily useful for consumers who are comparison shopping between hospitals. How hospitals describe their charges may not be aligned with other hospitals. For services or procedures that comprise multiple charges, each hospital may develop different methodologies on what charges are included. These facts make it very difficult to compare pricing between hospitals. As a reminder, as noted above — most patients do not pay charges.

NJ Hospital Price Compare

The NJ Hospital Price Compare website provides CentraState’s inpatient charges as compared to other hospitals, along with general hospital charging information. The price comparison data is only updated periodically and is for comparison purposes only; it does not provide pricing estimates.

If you had certain tests or treatments in the hospital, you may receive separate bills from physicians you did not see in person. Such bills are for the professional services provided by these physicians—for example, reading and interpreting test results or providing surgical services—while you were hospitalized.

These physicians who were integral in delivering your care are independent professionals (i.e., “independent contractors”) who are not employed by CentraState, but who have certain privileges to perform medical services at CentraState Medical Center. They may include pathologists, radiologists, anesthesiologists, cardiologists, and other specialists. Their independent services are not reflected in your basic hospital bill, and they are required to submit separate bills.

If you have questions regarding a hospital-based physician bill, please contact your physician’s billing office or, for select physician groups, the numbers listed below:

Emergency Physicians (Central Jersey Emergency Medical Associates): 866-898-7142

Anesthesiologists (Liberty Anesthesia): 800-431-5379

Radiologists (Princeton Radiology Associates): 732-462-3302

Pathologists (Hackensack Pathology Associates, LLC): 800-274-2158

Neurologists (CJNA – EEG readings only): 732-866-6484

Neonatologist (Central Jersey Newborn Care): 908-829-3465

We will need a copy of your insurance card. All patients will be asked to pay a deposit, depending on the extent of your coverage and deductible requirements. We may also need the insurance forms supplied by your employer or the insurance company. You will be asked to assign benefits from the insurance company directly to the hospital.

Pay Your Bill Online
We will need a copy of your Medicare card to verify eligibility and to process your Medicare claim. You should know that the Medicare program specifically excludes payment for certain items and services, such as cosmetic surgery, some oral surgery procedures, personal comfort items, hearing evaluations, and others. Medicare only covers ambulance services when transportation by any other means would endanger the patient’s health. Deductibles and co-payments are also the responsibility of the patient.
We will need a copy of your Medicaid card for verification. Medicaid also has payment limitations on a number of services and items. Medicaid only pays for the cost of a semi-private room.
Your plan may have special requirements, such as a second surgical opinion or pre-certification for certain tests or procedures. It is your responsibility to make sure the requirements of your plan have been met. If your plan’s requirements are not followed, you will be financially responsible for all or part of the services rendered in the hospital. Some physician specialists may not participate in your health care plan and their services may not be covered. Deductibles and co-payments are due on or before discharge.

In accordance with the New Jersey Hospital Care Payment Assistance Program, NJAC 8:31B (commonly known and hereinafter referred to as “Charity Care”), patients who would like information about enrolling in and becoming eligible for any public assistance medical plans and/or qualifying for Charity Care for medically necessary services may call 732-294-2641. The CentraState team will assist you in reviewing payment options, including time payment arrangements and eligibility for financial assistance.

View the NJ Hospital Care Assistance Program (Charity Care) Application

If you are eligible for financial assistance, you may complete the NJ Hospital Care Assistance Program form provided here. Our Financial Assistance Policies are provided as well for your convenience. If you have any questions prior to mailing or bringing your application in, please feel free to contact our department at 732-294-2641.

Helpful documents:

Health Plan FAQs

A few of the first questions you may wish to ask your human resources department or insurance carrier about your health plan options are whether there have been any changes to your benefit plan and whether there are any disincentives for continuing to see your same doctors. Some health plans now offer tiered products. This means that some participating doctors and/or the hospitals they are affiliated with will cost you more in terms of co-pays and deductibles than other doctors/hospitals within the plan.

CentraState participates in most health insurance plans.  Before selecting a new health plan, please make sure that you understand any limits that may be in place to continue to receive care from CentraState. Just as seeking care from some doctors may cost you more out of pocket, some hospitals may cost more as well. When you change or renew a health plan, we want to make sure that you are able to continue to receive your care from us and your CentraState-affiliated doctors without paying more in out of pocket expenses.

Before you make any plan changes, make sure that your doctors and CentraState Medical Center are part of that plan and that you understand what out-of-pocket expenses there may be in order to receive health care services from your doctor and at CentraState. It’s a good idea to review all of your health benefit options to see which plan best meets your individual needs.

Many factors are important in choosing a health care partner, including cost, quality, and patient satisfaction. For more than four decades, CentraState Medical Center has offered award-winning health care services and a compassionate team of physicians, nurses, and clinicians dedicated to providing quality care. CentraState consistently maintains favorable rankings in state and federal industry measures, including the following.

  • CentraState Medical Center’s average revenue per adjusted admission (based upon acuity or severity of illness) is one of the lowest in the state.
  • CentraState consistently achieves patient satisfaction scores in the 90th percentile according to Press Ganey, a nationally recognized, independent research organization. We rank among the best hospitals in New Jersey in terms of patient satisfaction.
  • CentraState Medical Center is one of only 2 percent of hospitals nationwide to achieve Magnet® designation for nursing excellence three times as part of the American Nurses Credentialing Center’s Magnet Recognition Program.® Only 8 percent of the approximate 5,800 hospitals in the U.S. hold Magnet designation, so a three-time designation is an elite accomplishment.

Be sure to thoroughly review your health plan options before making a selection. Check to see that all of your doctors and CentraState are included in the list of the selected plan’s participating providers. In addition, be certain that you won’t have to pay more to maintain a relationship with your CentraState-affiliated doctors and CentraState Medical Center.

We believe in freedom of choice – choice in doctors and health care providers –to best treat your health care needs. If you have any questions about health plan selection, please reach out to your human resources department or contact your insurance carrier directly.