CMS Price Transparency Data

Diagnostic mammogram (both breasts)

Facility: Covenant Medical Center

Billing Code: 77066 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 77066
Insurance Median: $147
Cash Discount Price: $376
vs. Medicare Baseline: 0.94x Medicare

The contracted insurance negotiated median rate for a Diagnostic mammogram (both breasts) at Covenant Medical Center is $147. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $376. Compared to the federal Medicare reimbursement reference rate of $156.98, this hospital’s rate is 0.94x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$376

Average discount available for prompt cash payment at this facility.

Insurance Median

$147

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$156.98

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $156.98 (100%)

Cash / Self-Pay: $376 (240%)

Insurance Median: $147 (94%)

Cash: $376 (240% of Medicare)

Ins. Median: $147 (94% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $156.98 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
Mclaren Health Advantage	$41 - $242	26%
Aetna	$46 - $395	29%
Blue Cross Blue Shield	$46 - $253	29%
Health Alliance Plan Of Michigan	$46 - $283	29%
Healthy Michigan Mclaren	$46 - $147	29%
Healthy Michigan Meridian	$46 - $147	29%
Healthy Michigan Molina	$46 - $147	29%
Healthy Michigan Priority Health	$46 - $147	29%
Humana	$46 - $403	29%
Mclaren Advantage	$46 - $147	29%
Molina Healthplan	$46 - $147	29%
Physicians Health Plan Advantage/Advantage Plus	$46 - $147	29%
Priority Health	$46 - $295	29%
Health Advantage Mclaren Employee	$52 - $295	33%
Priority Health E	$53 - $247	34%
Physicians Health Plan	$63 - $295	40%
Blue Care Network	$75 - $253	48%
Meritain Health	$88 - $411	56%
Multiplan	$104 - $483	66%
Cigna	$295	188%

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 $376.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 77066.

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 77066.
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.