CMS Price Transparency Data

CT scan, abdomen and pelvis (with contrast)

Facility: Covenant Medical Center

Billing Code: 74177 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 74177
Insurance Median: $281
Cash Discount Price: $3,375
vs. Medicare Baseline: 0.79x Medicare

The contracted insurance negotiated median rate for a CT scan, abdomen and pelvis (with contrast) at Covenant Medical Center is $281. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,375. Compared to the federal Medicare reimbursement reference rate of $356.43, this hospital’s rate is 0.79x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$3,375

Average discount available for prompt cash payment at this facility.

Insurance Median

$281

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$356.43

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $356.43 (100%)

Cash / Self-Pay: $3,375 (947%)

Insurance Median: $281 (79%)

Cash: $3,375 (947% of Medicare)

Ins. Median: $281 (79% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $356.43 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	$82 - $3,543	23%
Blue Cross Blue Shield	$82 - $489	23%
Health Alliance Plan Of Michigan	$82 - $688	23%
Healthy Michigan Mclaren	$82 - $281	23%
Healthy Michigan Meridian	$82 - $281	23%
Healthy Michigan Molina	$82 - $281	23%
Healthy Michigan Priority Health	$82 - $281	23%
Humana	$82 - $3,616	23%
Mclaren Advantage	$82 - $356	23%
Molina Healthplan	$82 - $356	23%
Physicians Health Plan Advantage/Advantage Plus	$82 - $356	23%
Priority Health	$82 - $2,652	23%
Mclaren Health Advantage	$95 - $2,169	27%
Blue Care Network	$137 - $489	38%
Health Advantage Mclaren Employee	$167 - $2,652	47%
Priority Health E	$171 - $2,218	48%
Physicians Health Plan	$205 - $2,652	58%
Meritain Health	$285 - $3,688	80%
Multiplan	$335 - $4,339	94%
Cigna	$2,652	744%

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 $3,375.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 74177.

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 74177.
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.