CMS Price Transparency Data

Blood test, creatinine (kidney)

Facility: Covenant Medical Center

Billing Code: 82565 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82565
Insurance Median: $21
Cash Discount Price: $32
vs. Medicare Baseline: 4.10x Medicare

The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at Covenant Medical Center is $21. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $32. Compared to the federal Medicare reimbursement reference rate of $5.12, this hospital’s rate is 4.10x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$32

Average discount available for prompt cash payment at this facility.

Insurance Median

$21

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5.12

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5.12 (100%)

Cash / Self-Pay: $32 (625%)

Insurance Median: $21 (410%)

Cash: $32 (625% of Medicare)

Ins. Median: $21 (410% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $5.12 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 410% of the Medicare baseline (a markup of 310%). 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 Care Network	$1 - $5	20%
Blue Cross Blue Shield	$1 - $3	20%
Mclaren Health Advantage	$2 - $22	39%
Healthy Michigan Mclaren	$3	59%
Healthy Michigan Meridian	$3	59%
Healthy Michigan Molina	$3	59%
Healthy Michigan Priority Health	$3	59%
Health Advantage Mclaren Employee	$4 - $28	78%
Aetna	$5 - $37	98%
Health Alliance Plan Of Michigan	$5 - $10	98%
Humana	$5 - $38	98%
Mclaren Advantage	$5	98%
Molina Healthplan	$5	98%
Physicians Health Plan Advantage/Advantage Plus	$5	98%
Priority Health	$5 - $28	98%
Priority Health E	$5 - $23	98%
Physicians Health Plan	$6 - $28	117%
Meritain Health	$8 - $38	156%
Multiplan	$9 - $45	176%
Cigna	$12 - $28	234%

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 $32.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82565.

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 82565.
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.