Cholecystectomy Cost in New Jersey (2026): Average Prices & What You'll Pay
What does a cholecystectomy cost in New Jersey?
A typical cholecystectomy in New Jersey costs $3,845–$9,524 for a commercially insured patient, including facility and physician fees. The median reported facility price across 24 hospitals is $3,214. This estimate is based on CMS fee schedules and hospital price transparency data published under federal law.
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Where cholecystectomy costs vary in New Jersey
Pins show hospitals with price-transparency data (colored by vs. state average) and nearby ambulatory surgery centers, imaging centers, and other facilities (colored by type). Click any pin for facility name and estimated cost range.
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Cheapest Cholecystectomy Providers in New Jersey
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs Median |
|---|---|---|---|---|
| 1 | Monmouth Medical Center Southern Campus | Lakewood, NJ | $2,048 | -$1,166 |
| 2 | Clara Maass Medical Center | Belleville, NJ | $2,211 | -$1,003 |
| 3 | Robert Wood Johnson University Hospital Rahway | Rahway, NJ | $2,211 | -$1,003 |
| 4 | Robert Wood Johnson University Hospital Hamilton | Hamilton Township, NJ | $2,211 | -$1,003 |
| 5 | Community Medical Center | Toms River, NJ | $2,445 | -$769 |
| 6 | Jersey City Medical Center | Jersey City, NJ | $2,445 | -$769 |
| 7 | Trinitas Regional Medical Center | Elizabeth, NJ | $2,445 | -$769 |
| 8 | Newark Beth Israel Medical Center | Newark, NJ | $2,626 | -$588 |
Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
Quick take
- Monmouth Medical Center Southern Campus is the lowest-cost option at $2,048 - $1,166 below the state median, just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $3,214, and it's often lower than what insurance pays before your deductible is satisfied.
- Freestanding ambulatory surgical centers (ASCs) are often 30-60% cheaper than hospital outpatient departments for the same procedure and may not appear in this hospital-only dataset - ask your doctor if one is an option.
How where you go changes what you pay for cholecystectomy
The same cholecystectomy bundles different services depending on the setting - facility fee, surgeon fee, and anesthesia each arrive as separate bills. Estimated ranges below reflect the typical full bundled cost, including all expected charges.
- Facility fee $712–$10,748
- Professional fee $980–$5,380
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $712–$1,913
- Professional fee $980–$5,380
Estimated from CMS fee schedules + commercial rate multipliers
New Jersey has a dense hospital landscape with RWJBarnabas Health, Atlantic Health System, Hackensack Meridian Health, and others competing for commercial contracts - but high labor costs, real estate, and regulatory burden keep prices elevated despite the competition. Northern New Jersey facilities are influenced by New York City-adjacent wage indices, which are among the highest in the country. Laparoscopic cholecystectomy (gallbladder removal) is one of the most common ambulatory surgeries in the US, and facility type is the single biggest cost lever - ambulatory surgery centers charge 40–60% less than hospital outpatient departments for identical outcomes. Most commercial payers require prior authorization, and the surgeon and anesthesiologist bill separately from the facility, so confirming all three providers are in-network prevents unexpected out-of-network charges.
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Why prices vary - and what it means for your coverage
Facility classification matters as much as the hospital itself - a hospital-owned outpatient center adds a facility fee that a freestanding clinic does not.
What you pay out of pocket on top of this depends on your deductible, your plan's out-of-pocket maximum, and whether every provider involved is in-network - not just the facility.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$5,546 |
| Deductible met - 20% coinsurance | ~$1,109 |
| Out-of-network provider | $12,201+ |
Frequently asked questions: cholecystectomy costs in New Jersey
How much does a cholecystectomy cost in New Jersey?
The typical insurer-negotiated rate is $495, with most facilities between $357 and $500 (based on 26 hospitals reporting negotiated rates). Full market pricing - including cash rates, gross charges, and outlier facilities - ranges more widely, from $337 to $37,441 across all 24 New Jersey hospitals that publish prices. What you pay depends on the facility, your insurance, and whether you have met your deductible.
Where is the cheapest place to get a cholecystectomy in New Jersey?
Based on declared prices, the lowest-cost facility in our New Jersey data is Bergen New Bridge in Paramus at about $1,530. By metro, Newark has the lowest median ($5,140). Freestanding ambulatory surgery and imaging centers are often cheaper still and may not appear in hospital price data - ask your doctor whether one is an option.
Why is a cholecystectomy so much cheaper at some New Jersey hospitals?
Prices vary up to 111.1× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In New Jersey, the median cash (self-pay) price is $3,214 versus a median negotiated rate of $495 - about 6.5× higher. Asking for the cash price or your insurer's negotiated rate is often the single biggest lever on what you pay.
How much will I actually pay out of pocket for a cholecystectomy in New Jersey?
Your out-of-pocket cost depends on your deductible, coinsurance, out-of-pocket maximum, and whether the facility is in-network - not just the sticker price. If you have not met your deductible, you will typically pay the negotiated rate in full until you do. Use the CostKits cost forecaster to estimate your specific out-of-pocket amount before you go.
Before you book
- Deductible vs out-of-pocket max
- How to negotiate your medical bills
- EOB vs medical bill: complete guide
- Already have a bill? Check it for errors
- How to read an EOB line by line
Other procedures in New Jersey
Cholecystectomy, elsewhere
What matters before you schedule
ASC vs. hospital
Hospital outpatient departments typically charge 2-4x more than ASCs or independent centers for the same cholecystectomy - same outcome, very different bill. Call ahead and ask for a self-pay or cash quote at each setting you're considering.
What's on your bill
A cholecystectomy involves multiple providers who bill separately - typically Facility Fee, Surgeon Professional Fee, Anesthesia. Check each line item against your Explanation of Benefits to catch billing errors.
Cost by type
Which type your doctor orders for this cholecystectomy changes the billing code, and what you pay. For example: A recognized variation that can change the billing code and what you owe.
What to ask before you book
Get the CPT code from your doctor, confirm every provider involved (not just the facility) is in-network, ask for the cash-pay rate if you're uninsured or haven't met your deductible, and request a written estimate for cholecystectomy before you schedule.
CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).
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About the Author
John Caruso, FSA, MAAA
Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.
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