CMS Price Transparency Data

Gallbladder removal (laparoscopic)

Facility: Covenant Medical Center

Billing Code: 47562 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 47562
Insurance Median: $1,068
Cash Discount Price: $1,157
vs. Medicare Baseline: 0.17x Medicare

The contracted insurance negotiated median rate for a Gallbladder removal (laparoscopic) at Covenant Medical Center is $1,068. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,157. Compared to the federal Medicare reimbursement reference rate of $6,176.47, this hospital’s rate is 0.17x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$1,157

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,068

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$6,176.47

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $6,176.47 (100%)

Cash / Self-Pay: $1,157 (19%)

Insurance Median: $1,068 (17%)

Cash: $1,157 (19% of Medicare)

Ins. Median: $1,068 (17% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $6,176.47 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	$626 - $6,176	10%
Blue Cross Blue Shield	$626 - $5,909	10%
Health Alliance Plan Of Michigan	$626 - $11,921	10%
Healthy Michigan Mclaren	$626 - $3,230	10%
Healthy Michigan Meridian	$626 - $3,230	10%
Healthy Michigan Molina	$626 - $3,230	10%
Healthy Michigan Priority Health	$626 - $3,230	10%
Humana	$626 - $6,176	10%
Mclaren Advantage	$626 - $6,176	10%
Molina Healthplan	$626 - $6,176	10%
Physicians Health Plan Advantage/Advantage Plus	$626 - $6,176	10%
Priority Health	$626 - $6,176	10%
Health Advantage Mclaren Employee	$744	12%
Priority Health E	$760	12%
Mclaren Health Advantage	$761	12%
Physicians Health Plan	$909	15%
Blue Care Network	$1,068 - $6,176	17%
Meritain Health	$1,265	20%
Multiplan	$1,488	24%

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 $1,157.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 47562.

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 47562.
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.