CMS Price Transparency Data

CT scan, abdomen and pelvis (no contrast)

Facility: Covenant Medical Center

Billing Code: 74176 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 74176
Insurance Median: $173
Cash Discount Price: $2,661
vs. Medicare Baseline: 0.71x Medicare

The contracted insurance negotiated median rate for a CT scan, abdomen and pelvis (no contrast) at Covenant Medical Center is $173. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,661. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 0.71x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$2,661

Average discount available for prompt cash payment at this facility.

Insurance Median

$173

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$243.77

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $243.77 (100%)

Cash / Self-Pay: $2,661 (1092%)

Insurance Median: $173 (71%)

Cash: $2,661 (1092% of Medicare)

Ins. Median: $173 (71% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $243.77 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
Aetna	$78 - $2,794	32%
Blue Cross Blue Shield	$78 - $298	32%
Health Alliance Plan Of Michigan	$78 - $470	32%
Healthy Michigan Mclaren	$78 - $173	32%
Healthy Michigan Meridian	$78 - $173	32%
Healthy Michigan Molina	$78 - $173	32%
Healthy Michigan Priority Health	$78 - $173	32%
Humana	$78 - $2,851	32%
Mclaren Advantage	$78 - $244	32%
Molina Healthplan	$78 - $244	32%
Physicians Health Plan Advantage/Advantage Plus	$78 - $244	32%
Priority Health	$78 - $2,091	32%
Mclaren Health Advantage	$91 - $1,710	37%
Health Advantage Mclaren Employee	$107 - $2,091	44%
Priority Health E	$109 - $1,748	45%
Blue Care Network	$130 - $298	53%
Physicians Health Plan	$131 - $2,091	54%
Meritain Health	$182 - $2,908	75%
Multiplan	$214 - $3,421	88%
Cigna	$2,091	858%

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 $2,661.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 74176.

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 74176.
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.