CMS Price Transparency Data

Family therapy session

Facility: Covenant Medical Center

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $108
Cash Discount Price: $88
vs. Medicare Baseline: 0.60x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Covenant Medical Center is $108. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $88. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.60x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$88

Average discount available for prompt cash payment at this facility.

Insurance Median

$108

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$181.34

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $181.34 (100%)

Cash / Self-Pay: $88 (49%)

Insurance Median: $108 (60%)

Cash: $88 (49% of Medicare)

Ins. Median: $108 (60% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $181.34 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
Blue Care Network	$32 - $181	18%
Blue Cross Blue Shield	$32 - $133	18%
Health Advantage Mclaren Employee	$36 - $78	20%
Priority Health E	$36 - $80	20%
Physicians Health Plan	$43 - $95	24%
Priority Health	$43 - $181	24%
Humana	$59 - $181	33%
Meritain Health	$60 - $132	33%
Multiplan	$71 - $156	39%
Healthy Michigan Mclaren	$95 - $108	52%
Healthy Michigan Meridian	$95 - $108	52%
Healthy Michigan Molina	$95 - $108	52%
Healthy Michigan Priority Health	$95 - $108	52%
Aetna	$105 - $181	58%
Health Alliance Plan Of Michigan	$108 - $350	60%
Mclaren Advantage	$108 - $181	60%
Molina Healthplan	$108 - $181	60%
Physicians Health Plan Advantage/Advantage Plus	$108 - $181	60%
Mclaren Health Advantage	$119	66%

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 $88.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90847.

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 90847.
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.