CMS Price Transparency Data

Hepatitis C antibody test

Facility: Covenant Medical Center

Billing Code: 86803 (CPT)

Factual Cost Summary (Answer Capsule)
  • CPT Billing Code: 86803
  • Insurance Median: $23
  • Cash Discount Price: $30
  • vs. Medicare Baseline: 1.61x Medicare
The contracted insurance negotiated median rate for a Hepatitis C antibody test at Covenant Medical Center is $23. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $30. Compared to the federal Medicare reimbursement reference rate of $14.27, this hospital’s rate is 1.61x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.
Cash / Self-Pay
$30

Average discount available for prompt cash payment at this facility.

Insurance Median
$23

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate
$14.27

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $14.27 (100%)
Cash / Self-Pay: $30 (210%)
Insurance Median: $23 (161%)
Cash: $30 (210% of Medicare)
Ins. Median: $23 (161% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $14.27 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.

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 $4 - $78 28%
Health Advantage Mclaren Employee $4 - $58 28%
Priority Health E $5 - $49 35%
Physicians Health Plan $6 - $58 42%
Priority Health $6 - $58 42%
Blue Cross Blue Shield $7 - $13 49%
Healthy Michigan Mclaren $7 49%
Healthy Michigan Meridian $7 49%
Healthy Michigan Molina $7 49%
Healthy Michigan Priority Health $7 49%
Humana $8 - $80 56%
Meritain Health $8 - $81 56%
Multiplan $9 - $95 63%
Blue Care Network $11 - $14 77%
Health Alliance Plan Of Michigan $14 - $28 98%
Mclaren Advantage $14 98%
Molina Healthplan $14 98%
Physicians Health Plan Advantage/Advantage Plus $14 98%
Mclaren Health Advantage $17 - $48 119%
Cigna $24 - $58 168%

Self-Pay Upfront Cash Action Plan

Insurance In-Network Protection Plan

Facility Profile & Credentials

  • Address: 1447 N Harrison, Saginaw, MI 48602
  • CMS Rating: ★★☆☆☆
  • Ownership Type: Voluntary non-profit - Private
  • Hospital Type: Acute Care Hospitals