CMS Price Transparency Data

Blood test, potassium

Facility: Covenant Medical Center

Billing Code: 84132 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84132
Insurance Median: $28
Cash Discount Price: $35
vs. Medicare Baseline: 5.88x Medicare

The contracted insurance negotiated median rate for a Blood test, potassium at Covenant Medical Center is $28. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $35. Compared to the federal Medicare reimbursement reference rate of $4.76, this hospital’s rate is 5.88x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$35

Average discount available for prompt cash payment at this facility.

Insurance Median

$28

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$4.76

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $4.76 (100%)

Cash / Self-Pay: $35 (735%)

Insurance Median: $28 (588%)

Cash: $35 (735% of Medicare)

Ins. Median: $28 (588% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $4.76 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 588% of the Medicare baseline (a markup of 488%). 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	21%
Blue Cross Blue Shield	$1 - $2	21%
Healthy Michigan Mclaren	$2	42%
Healthy Michigan Meridian	$2	42%
Healthy Michigan Molina	$2	42%
Healthy Michigan Priority Health	$2	42%
Mclaren Health Advantage	$2 - $33	42%
Health Advantage Mclaren Employee	$4 - $40	84%
Aetna	$5 - $54	105%
Health Alliance Plan Of Michigan	$5 - $9	105%
Humana	$5 - $55	105%
Mclaren Advantage	$5	105%
Molina Healthplan	$5	105%
Physicians Health Plan Advantage/Advantage Plus	$5	105%
Priority Health	$5 - $40	105%
Priority Health E	$5 - $34	105%
Physicians Health Plan	$6 - $40	126%
Meritain Health	$8 - $56	168%
Multiplan	$9 - $66	189%
Cigna	$26 - $40	546%

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 $35.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 84132.

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 84132.
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.