CMS Price Transparency Data

Blood antibody screen

Facility: Covenant Medical Center

Billing Code: 86850 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 86850
Insurance Median: $46
Cash Discount Price: $58
vs. Medicare Baseline: 0.86x Medicare

The contracted insurance negotiated median rate for a Blood antibody screen at Covenant Medical Center is $46. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $58. Compared to the federal Medicare reimbursement reference rate of $53.24, this hospital’s rate is 0.86x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$58

Average discount available for prompt cash payment at this facility.

Insurance Median

$46

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$53.24

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $53.24 (100%)

Cash / Self-Pay: $58 (109%)

Insurance Median: $46 (86%)

Cash: $58 (109% of Medicare)

Ins. Median: $46 (86% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $53.24 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
Aetna	$6 - $61	11%
Health Advantage Mclaren Employee	$6 - $46	11%
Priority Health E	$6 - $38	11%
Blue Care Network	$7 - $53	13%
Blue Cross Blue Shield	$7 - $28	13%
Physicians Health Plan	$7 - $46	13%
Priority Health	$7 - $53	13%
Humana	$10 - $62	19%
Mclaren Health Advantage	$10 - $37	19%
Meritain Health	$10 - $64	19%
Multiplan	$12 - $75	23%
Health Alliance Plan Of Michigan	$21 - $103	39%
Healthy Michigan Mclaren	$28	53%
Healthy Michigan Meridian	$28	53%
Healthy Michigan Molina	$28	53%
Healthy Michigan Priority Health	$28	53%
Cigna	$46	86%
Mclaren Advantage	$53	100%
Molina Healthplan	$53	100%
Physicians Health Plan Advantage/Advantage Plus	$53	100%

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 $58.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 86850.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Covenant Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 86850.
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.