CMS Price Transparency Data

Electrocardiogram (EKG, tracing only)

Facility: Covenant Medical Center

Billing Code: 93005 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 93005
Insurance Median: $88
Cash Discount Price: $137
vs. Medicare Baseline: 1.46x Medicare

The contracted insurance negotiated median rate for a Electrocardiogram (EKG, tracing only) at Covenant Medical Center is $88. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $137. Compared to the federal Medicare reimbursement reference rate of $60.27, this hospital’s rate is 1.46x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$137

Average discount available for prompt cash payment at this facility.

Insurance Median

$88

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$60.27

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $60.27 (100%)

Cash / Self-Pay: $137 (227%)

Insurance Median: $88 (146%)

Cash: $137 (227% of Medicare)

Ins. Median: $88 (146% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $60.27 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	$6 - $153	10%
Blue Cross Blue Shield	$6 - $32	10%
Health Alliance Plan Of Michigan	$6 - $116	10%
Healthy Michigan Mclaren	$6 - $32	10%
Healthy Michigan Meridian	$6 - $32	10%
Healthy Michigan Molina	$6 - $32	10%
Healthy Michigan Priority Health	$6 - $32	10%
Humana	$6 - $156	10%
Mclaren Advantage	$6 - $60	10%
Molina Healthplan	$6 - $60	10%
Physicians Health Plan Advantage/Advantage Plus	$6 - $60	10%
Priority Health	$6 - $114	10%
Blue Care Network	$8 - $60	13%
Health Advantage Mclaren Employee	$13 - $114	22%
Priority Health E	$13 - $96	22%
Physicians Health Plan	$15 - $114	25%
Mclaren Health Advantage	$16 - $94	27%
Meritain Health	$21 - $159	35%
Multiplan	$25 - $187	41%
Cigna	$107 - $114	178%

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 $137.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 93005.

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 93005.
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.