CMS Price Transparency Data

Blood test, basic metabolic panel

Facility: Covenant Medical Center

Billing Code: 80048 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 80048
Insurance Median: $58
Cash Discount Price: $88
vs. Medicare Baseline: 6.86x Medicare

The contracted insurance negotiated median rate for a Blood test, basic metabolic panel at Covenant Medical Center is $58. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $88. Compared to the federal Medicare reimbursement reference rate of $8.46, this hospital’s rate is 6.86x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$88

Average discount available for prompt cash payment at this facility.

Insurance Median

$58

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$8.46

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $8.46 (100%)

Cash / Self-Pay: $88 (1040%)

Insurance Median: $58 (686%)

Cash: $88 (1040% of Medicare)

Ins. Median: $58 (686% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $8.46 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 686% of the Medicare baseline (a markup of 586%). 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
Blue Cross Blue Shield	$4 - $11	47%
Healthy Michigan Mclaren	$4	47%
Healthy Michigan Meridian	$4	47%
Healthy Michigan Molina	$4	47%
Healthy Michigan Priority Health	$4	47%
Health Advantage Mclaren Employee	$7 - $80	83%
Priority Health E	$7 - $67	83%
Aetna	$8 - $107	95%
Blue Care Network	$8 - $11	95%
Health Alliance Plan Of Michigan	$8 - $16	95%
Humana	$8 - $110	95%
Mclaren Advantage	$8	95%
Molina Healthplan	$8	95%
Physicians Health Plan Advantage/Advantage Plus	$8	95%
Priority Health	$8 - $80	95%
Physicians Health Plan	$9 - $80	106%
Mclaren Health Advantage	$12 - $66	142%
Meritain Health	$12 - $112	142%
Multiplan	$14 - $131	165%
Cigna	$69 - $80	816%

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 $88.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 80048.

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 80048.
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.