CMS Price Transparency Data

Group therapy session

Facility: Covenant Medical Center

Billing Code: 90853 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90853
Insurance Median: $31
Cash Discount Price: $34
vs. Medicare Baseline: 0.30x Medicare

The contracted insurance negotiated median rate for a Group therapy session at Covenant Medical Center is $31. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $34. Compared to the federal Medicare reimbursement reference rate of $103.79, this hospital’s rate is 0.30x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$34

Average discount available for prompt cash payment at this facility.

Insurance Median

$31

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$103.79

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $103.79 (100%)

Cash / Self-Pay: $34 (33%)

Insurance Median: $31 (30%)

Cash: $34 (33% of Medicare)

Ins. Median: $31 (30% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $103.79 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
Health Advantage Mclaren Employee	$14 - $22	13%
Priority Health E	$14 - $22	13%
Blue Care Network	$17 - $104	16%
Blue Cross Blue Shield	$17 - $54	16%
Physicians Health Plan	$17 - $26	16%
Priority Health	$17 - $104	16%
Humana	$23 - $104	22%
Meritain Health	$24 - $37	23%
Multiplan	$28 - $43	27%
Aetna	$30 - $104	29%
Health Alliance Plan Of Michigan	$30 - $200	29%
Healthy Michigan Mclaren	$30 - $54	29%
Healthy Michigan Meridian	$30 - $54	29%
Healthy Michigan Molina	$30 - $54	29%
Healthy Michigan Priority Health	$30 - $54	29%
Mclaren Advantage	$30 - $104	29%
Molina Healthplan	$30 - $104	29%
Physicians Health Plan Advantage/Advantage Plus	$30 - $104	29%
Mclaren Health Advantage	$34	33%

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 $34.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90853.

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 90853.
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.