CMS Price Transparency Data

Blood test, PSA (prostate screen)

Facility: Covenant Medical Center

Billing Code: 84153 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84153
Insurance Median: $12
Cash Discount Price: $13
vs. Medicare Baseline: 0.65x Medicare

The contracted insurance negotiated median rate for a Blood test, PSA (prostate screen) at Covenant Medical Center is $12. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $13. Compared to the federal Medicare reimbursement reference rate of $18.39, this hospital’s rate is 0.65x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$13

Average discount available for prompt cash payment at this facility.

Insurance Median

$12

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$18.39

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $18.39 (100%)

Cash / Self-Pay: $13 (71%)

Insurance Median: $12 (65%)

Cash: $13 (71% of Medicare)

Ins. Median: $12 (65% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $18.39 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
Mclaren Health Advantage	$7 - $35	38%
Priority Health E	$7 - $36	38%
Cigna	$8 - $43	44%
Health Advantage Mclaren Employee	$8 - $43	44%
Physicians Health Plan	$8 - $43	44%
Priority Health	$8 - $43	44%
Blue Cross Blue Shield	$10 - $17	54%
Healthy Michigan Mclaren	$10	54%
Healthy Michigan Meridian	$10	54%
Healthy Michigan Molina	$10	54%
Healthy Michigan Priority Health	$10	54%
Aetna	$11 - $57	60%
Humana	$11 - $58	60%
Meritain Health	$11 - $60	60%
Blue Care Network	$14 - $18	76%
Multiplan	$14 - $70	76%
Health Alliance Plan Of Michigan	$18 - $35	98%
Mclaren Advantage	$18	98%
Molina Healthplan	$18	98%
Physicians Health Plan Advantage/Advantage Plus	$18	98%

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 $13.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 84153.

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 84153.
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.