CMS Price Transparency Data

Blood test, clotting time (PTT)

Facility: Covenant Medical Center

Billing Code: 85730 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 85730
Insurance Median: $10
Cash Discount Price: $12
vs. Medicare Baseline: 1.66x Medicare

The contracted insurance negotiated median rate for a Blood test, clotting time (PTT) at Covenant Medical Center is $10. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $12. Compared to the federal Medicare reimbursement reference rate of $6.01, this hospital’s rate is 1.66x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$12

Average discount available for prompt cash payment at this facility.

Insurance Median

$10

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$6.01

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $6.01 (100%)

Cash / Self-Pay: $12 (200%)

Insurance Median: $10 (166%)

Cash: $12 (200% of Medicare)

Ins. Median: $10 (166% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $6.01 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	$2 - $43	33%
Blue Cross Blue Shield	$3 - $6	50%
Healthy Michigan Mclaren	$3	50%
Healthy Michigan Meridian	$3	50%
Healthy Michigan Molina	$3	50%
Healthy Michigan Priority Health	$3	50%
Health Advantage Mclaren Employee	$4 - $32	67%
Mclaren Health Advantage	$4 - $27	67%
Priority Health E	$4 - $27	67%
Blue Care Network	$5 - $6	83%
Cigna	$5 - $32	83%
Physicians Health Plan	$5 - $32	83%
Priority Health	$5 - $32	83%
Health Alliance Plan Of Michigan	$6 - $12	100%
Humana	$6 - $44	100%
Mclaren Advantage	$6	100%
Molina Healthplan	$6	100%
Physicians Health Plan Advantage/Advantage Plus	$6	100%
Meritain Health	$7 - $45	116%
Multiplan	$8 - $53	133%

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 $12.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 85730.

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 85730.
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.