CMS Price Transparency Data

CT scan, sinuses

Facility: Covenant Medical Center

Billing Code: 70486 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70486
Insurance Median: $120
Cash Discount Price: $1,464
vs. Medicare Baseline: 1.12x Medicare

The contracted insurance negotiated median rate for a CT scan, sinuses at Covenant Medical Center is $120. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,464. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 1.12x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$1,464

Average discount available for prompt cash payment at this facility.

Insurance Median

$120

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$106.81

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $106.81 (100%)

Cash / Self-Pay: $1,464 (1371%)

Insurance Median: $120 (112%)

Cash: $1,464 (1371% of Medicare)

Ins. Median: $120 (112% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $106.81 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	$39 - $1,538	37%
Blue Cross Blue Shield	$39 - $208	37%
Health Alliance Plan Of Michigan	$39 - $206	37%
Healthy Michigan Mclaren	$39 - $120	37%
Healthy Michigan Meridian	$39 - $120	37%
Healthy Michigan Molina	$39 - $120	37%
Healthy Michigan Priority Health	$39 - $120	37%
Humana	$39 - $1,569	37%
Mclaren Advantage	$39 - $120	37%
Molina Healthplan	$39 - $120	37%
Physicians Health Plan Advantage/Advantage Plus	$39 - $120	37%
Priority Health	$39 - $1,151	37%
Health Advantage Mclaren Employee	$41 - $1,151	38%
Priority Health E	$42 - $962	39%
Physicians Health Plan	$51 - $1,151	48%
Blue Care Network	$64 - $208	60%
Mclaren Health Advantage	$66 - $941	62%
Meritain Health	$70 - $1,600	66%
Multiplan	$83 - $1,883	78%
Cigna	$1,151	1078%

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 $1,464.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 70486.

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 70486.
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.