CMS Price Transparency Data

Blood test, amylase

Facility: Covenant Medical Center

Billing Code: 82150 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82150
Insurance Median: $25
Cash Discount Price: $34
vs. Medicare Baseline: 3.86x Medicare

The contracted insurance negotiated median rate for a Blood test, amylase at Covenant Medical Center is $25. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $34. Compared to the federal Medicare reimbursement reference rate of $6.48, this hospital’s rate is 3.86x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$34

Average discount available for prompt cash payment at this facility.

Insurance Median

$25

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$6.48

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $6.48 (100%)

Cash / Self-Pay: $34 (525%)

Insurance Median: $25 (386%)

Cash: $34 (525% of Medicare)

Ins. Median: $25 (386% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $6.48 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 386% of the Medicare baseline (a markup of 286%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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	$2 - $67	31%
Blue Cross Blue Shield	$3 - $6	46%
Healthy Michigan Mclaren	$3	46%
Healthy Michigan Meridian	$3	46%
Healthy Michigan Molina	$3	46%
Healthy Michigan Priority Health	$3	46%
Health Advantage Mclaren Employee	$4 - $50	62%
Blue Care Network	$5 - $6	77%
Priority Health E	$5 - $42	77%
Health Alliance Plan Of Michigan	$6 - $13	93%
Humana	$6 - $68	93%
Mclaren Advantage	$6	93%
Molina Healthplan	$6	93%
Physicians Health Plan	$6 - $50	93%
Physicians Health Plan Advantage/Advantage Plus	$6	93%
Priority Health	$6 - $50	93%
Mclaren Health Advantage	$7 - $41	108%
Cigna	$8 - $50	123%
Meritain Health	$8 - $70	123%
Multiplan	$9 - $82	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 $34.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82150.

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 82150.
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.