CMS Price Transparency Data

Blood transfusion

Facility: Covenant Medical Center

Billing Code: 36430 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 36430
Insurance Median: $236
Cash Discount Price: $2,447
vs. Medicare Baseline: 0.52x Medicare

The contracted insurance negotiated median rate for a Blood transfusion at Covenant Medical Center is $236. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,447. Compared to the federal Medicare reimbursement reference rate of $450.73, this hospital’s rate is 0.52x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$2,447

Average discount available for prompt cash payment at this facility.

Insurance Median

$236

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$450.73

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $450.73 (100%)

Cash / Self-Pay: $2,447 (543%)

Insurance Median: $236 (52%)

Cash: $2,447 (543% of Medicare)

Ins. Median: $236 (52% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $450.73 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
Health Advantage Mclaren Employee	$29 - $1,922	6%
Priority Health E	$29 - $1,608	6%
Physicians Health Plan	$35 - $1,922	8%
Priority Health	$35 - $1,922	8%
Aetna	$43 - $2,569	10%
Mclaren Health Advantage	$43 - $1,573	10%
Blue Cross Blue Shield	$44 - $236	10%
Health Alliance Plan Of Michigan	$44 - $870	10%
Healthy Michigan Mclaren	$44 - $236	10%
Healthy Michigan Meridian	$44 - $236	10%
Healthy Michigan Molina	$44 - $236	10%
Healthy Michigan Priority Health	$44 - $236	10%
Humana	$44 - $2,621	10%
Mclaren Advantage	$44 - $451	10%
Molina Healthplan	$44 - $451	10%
Physicians Health Plan Advantage/Advantage Plus	$44 - $451	10%
Meritain Health	$49 - $2,674	11%
Multiplan	$58 - $3,146	13%
Blue Care Network	$69 - $451	15%
Cigna	$1,922	426%

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 $2,447.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 36430.

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 36430.
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.