CMS Price Transparency Data

Blood test, comprehensive metabolic panel

Facility: Covenant Medical Center

Billing Code: 80053 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 80053
Insurance Median: $19
Cash Discount Price: $113
vs. Medicare Baseline: 1.80x Medicare

The contracted insurance negotiated median rate for a Blood test, comprehensive metabolic panel at Covenant Medical Center is $19. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $113. Compared to the federal Medicare reimbursement reference rate of $10.56, this hospital’s rate is 1.80x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$113

Average discount available for prompt cash payment at this facility.

Insurance Median

$19

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$10.56

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $10.56 (100%)

Cash / Self-Pay: $113 (1070%)

Insurance Median: $19 (180%)

Cash: $113 (1070% of Medicare)

Ins. Median: $19 (180% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $10.56 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
Blue Cross Blue Shield	$6 - $19	57%
Healthy Michigan Mclaren	$6	57%
Healthy Michigan Meridian	$6	57%
Healthy Michigan Molina	$6	57%
Healthy Michigan Priority Health	$6	57%
Aetna	$11 - $119	104%
Blue Care Network	$11 - $19	104%
Health Alliance Plan Of Michigan	$11 - $20	104%
Humana	$11 - $122	104%
Mclaren Advantage	$11	104%
Molina Healthplan	$11	104%
Physicians Health Plan Advantage/Advantage Plus	$11	104%
Priority Health	$11 - $89	104%
Health Advantage Mclaren Employee	$13 - $89	123%
Priority Health E	$13 - $75	123%
Physicians Health Plan	$15 - $89	142%
Mclaren Health Advantage	$21 - $73	199%
Meritain Health	$21 - $124	199%
Multiplan	$25 - $146	237%
Cigna	$89	843%

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 $113.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 80053.

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 80053.
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.