CMS Price Transparency Data

CT scan, head (with and without contrast)

Facility: Covenant Medical Center

Billing Code: 70470 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70470
Insurance Median: $162
Cash Discount Price: $1,694
vs. Medicare Baseline: 0.90x Medicare

The contracted insurance negotiated median rate for a CT scan, head (with and without contrast) at Covenant Medical Center is $162. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,694. Compared to the federal Medicare reimbursement reference rate of $179.2, this hospital’s rate is 0.90x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$1,694

Average discount available for prompt cash payment at this facility.

Insurance Median

$162

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$179.2

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $179.2 (100%)

Cash / Self-Pay: $1,694 (945%)

Insurance Median: $162 (90%)

Cash: $1,694 (945% of Medicare)

Ins. Median: $162 (90% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $179.2 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	$46 - $1,331	26%
Priority Health E	$47 - $1,113	26%
Aetna	$57 - $1,779	32%
Blue Cross Blue Shield	$57 - $281	32%
Health Alliance Plan Of Michigan	$57 - $346	32%
Healthy Michigan Mclaren	$57 - $162	32%
Healthy Michigan Meridian	$57 - $162	32%
Healthy Michigan Molina	$57 - $162	32%
Healthy Michigan Priority Health	$57 - $162	32%
Humana	$57 - $1,815	32%
Mclaren Advantage	$57 - $179	32%
Molina Healthplan	$57 - $179	32%
Physicians Health Plan	$57 - $1,331	32%
Physicians Health Plan Advantage/Advantage Plus	$57 - $179	32%
Priority Health	$57 - $1,331	32%
Mclaren Health Advantage	$73 - $1,089	41%
Meritain Health	$79 - $1,851	44%
Multiplan	$93 - $2,178	52%
Blue Care Network	$95 - $281	53%
Cigna	$1,331	743%

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 $1,694.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 70470.

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 70470.
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.