CMS Price Transparency Data

CT scan, head (with contrast)

Facility: Covenant Medical Center

Billing Code: 70460 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70460
Insurance Median: $140
Cash Discount Price: $1,414
vs. Medicare Baseline: 0.78x Medicare

The contracted insurance negotiated median rate for a CT scan, head (with contrast) at Covenant Medical Center is $140. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,414. Compared to the federal Medicare reimbursement reference rate of $179.2, this hospital’s rate is 0.78x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$1,414

Average discount available for prompt cash payment at this facility.

Insurance Median

$140

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: $1,414 (789%)

Insurance Median: $140 (78%)

Cash: $1,414 (789% of Medicare)

Ins. Median: $140 (78% 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	$41 - $1,111	23%
Priority Health E	$42 - $929	23%
Physicians Health Plan	$50 - $1,111	28%
Priority Health	$50 - $1,111	28%
Aetna	$51 - $1,485	28%
Blue Cross Blue Shield	$51 - $241	28%
Health Alliance Plan Of Michigan	$51 - $346	28%
Healthy Michigan Mclaren	$51 - $140	28%
Healthy Michigan Meridian	$51 - $140	28%
Healthy Michigan Molina	$51 - $140	28%
Healthy Michigan Priority Health	$51 - $140	28%
Humana	$51 - $1,515	28%
Mclaren Advantage	$51 - $179	28%
Molina Healthplan	$51 - $179	28%
Physicians Health Plan Advantage/Advantage Plus	$51 - $179	28%
Mclaren Health Advantage	$66 - $909	37%
Meritain Health	$70 - $1,545	39%
Multiplan	$82 - $1,818	46%
Blue Care Network	$85 - $241	47%
Cigna	$1,111	620%

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 $1,414.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 70460.

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 70460.
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.