Skip to main content
States Procedures Methodology Search
CMS Price Transparency Data Hospital file updated: 2026-05-15

Hospital observation (per hour)

Facility: Covenant Medical Center

Billing Code: G0378 (HCPCS)

Pillar 1 · The BaseRate™ CompositeHow 1.00× Fair BaseRate Works: Raw price averages unfairly penalize hospitals in high-wage cities or trauma centers treating sicker patients. We adjust for local CMS hospital wage levels and patient complexity first. A 1.00× score means right at the fair price average, 0.85× means 15% cheaper than fair market, and 1.30× means 30% above fair market.Good Deal · Below Fair Market
$66Fair BaseRate (0.86× Market)
Position vs. 1.00× Fair Price14% Below Fair Price 1.00× (center of the bar) is the U.S. fair price average after accounting for local hospital wages and patient complexity. Left of center (<1.00×) is below fair price; right of center (>1.00×) is above fair price.

This hospital's typical commercial price is $57 compared to the $66 fair price benchmark.

Pillar 2 · VeriRate™ Data TrustHow VeriRate™ (0–100) Works: Hospitals are legally required to publish machine-readable price files, but some bury fake $0.01 numbers or omit cash discounts. VeriRate audits each file across 5 checks (hover any badge below to see what it tests).86/100 · Verified
86/100Hover Any Check Below to See How Prices Were Audited
File Completeness90Provenance (File Completeness): Checks whether the hospital published a complete, up-to-date machine-readable price file with valid CPT and MS-DRG billing codes instead of leaving blanks.
Price Logic88Coherence (Price Logic): Checks whether the hospital’s numbers make basic sense — e.g., self-pay cash price is lower than gross list price, with no fake $0.01 or $999,999 placeholder numbers.
Peer Alignment86Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing83Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount84Cash Honesty (Real Cash Discount): Checks whether the hospital offers a genuine self-pay cash discount that beats or matches commercial insurance rates instead of billing full sticker price.
Pillar 3 · Clinical Quality & ER SpeedChecks whether higher hospital prices actually buy better clinical quality — combining CMS Star Ratings, hospital safety scores, and emergency room wait times.Regional Quality Benchmark
CMS Star Rating2/5 StarsOfficial CMS Overall Hospital Quality Star Rating (1 to 5 stars) summarizing mortality, safety of care, readmissions, and patient experience.
Safety Score42/100Composite patient safety score (0–100) derived from CMS hospital-acquired infection rates (CLABSI, CAUTI, MRSA, C. diff), surgical complications, and HCAHPS surveys.
Typical ER WaitNo ER DataMedian minutes patients spent in the emergency department before leaving from the visit, as reported to CMS Timely and Effective Care.

2-Star CMS clinical quality rating paired with 0.86× fair market pricing.

The BaseRate · fair price low confidence
A fair price for this
$66
modeled fair price · typically $28–$243
modeled estimate · not a bill or quote
What this hospital charges insurers
$57
Below the fair price — a good deal
about $9 under the fair price
Fair price $66 This hospital $57 Cash price $44 Hospital's list price $63

How we calculate the fair BaseRate →

How this hospital compares to other MI hospitals

On the higher side — 6 of 8 other MI hospitals charge less.

Cheapest $22 Priciest $59

Black dot = this hospital, among the 9 MI hospitals with a price for this procedure. Full list below.

A fair price for a Hospital observation (per hour) is about $66. Covenant Medical Center charges insurers about $57, or about $44 in cash — below the fair price — a good deal. Located in Saginaw, MI.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

4 of 6 major insurers have a published price at this hospital

Blue Cross Blue ShieldAetnaCignaHumana UnitedHealthcareKaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company Price range vs. Medicare
Blue Cross Blue Shieldmajor $43 —
Aetnamajor $46 - $48 —
Cignamajor $35 —
Humanamajor $47 —
Priority Health $29 - $35 —
+ 4 smaller / regional plans $28 - $72
Excludes 1 rental-network / third-party entry (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Insurance Before you use insurance

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

Enter your details and press estimate to compare.

Facility Profile & Credentials

  • Address: 1447 N Harrison, Saginaw, MI 48602
  • CMS Rating: 2 / 5 Stars
  • Ownership Type: Voluntary non-profit - Private
  • Hospital Type: Acute Care Hospitals

Other Procedures at Covenant Medical Center

Compare: Hospital observation (per hour) at other MI hospitals

Insurance negotiated median for the same procedure, sorted lowest first.

Inline Bill X-Ray & 501(r) Calculator 501(c)(3) Nonprofit · Free Care ≤200% FPL · AGB Cap 36.3%

Audit a Bill or Quote at Covenant Medical Center (Zero PHI Required)

CMS CCN: 230070
HCPCS G0378
Fair BaseRate™ $66
Medicare Rate $38
Self-Pay Cash $44
Insurer Median $57
Pre-filled with Covenant Medical Center’s charged/list benchmark
Screened against 2026 HHS Federal Poverty Guidelines
2026 FPL: $15,650 + $5,500 per additional person
Step 1 · 501(r) Charity Care Check 501(r) AGB Cap: $23 (274% FPL)

Statutory 501(r) AGB Cap Limits Bill to $23

At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (36.3% of gross = $23).

Step 2 · Cash vs. Insurance Arbitrage Save $19 Paying Cash

Self-Pay Cash Rate ($44) Beats Your Bill

Covenant Medical Center's published 45 CFR § 180 self-pay cash rate is $44 (vs. $57 commercial insurer median). Ask billing to reclassify the visit to prompt-pay self-pay if it beats your deductible.

Step 3 · Fair BaseRate Target Target: $66 Fair BaseRate

Negotiate Toward $66 Fair BaseRate ($38 Medicare)

Your entered amount is at or below the modeled Fair BaseRate benchmark ($66).

1-Click Factual Dispute Summary: Copy a citation-backed benchmark memo (with CMS CCN, HCPCS code, Medicare reference, Fair BaseRate, and 26 U.S.C. § 501(r) calculations) to paste into patient-portal messages or billing appeals.
CMS Care Compare Public Quality Record

Clinical Quality, Patient Experience & Infection Benchmarks

CMS Overall2/5 Stars (2/5)

Source: CMS Hospital Care Compare. Clinical quality metrics summarize historical facility-wide cohorts and are not medical advice for individual care decisions.

Care-Setting Arbitrage, Bilateral SVD Insurer Leverage & Regional Alternatives

How to Pay Less Nearby: Freestanding Centers, Insurer Leverage & Outpatient Savings

45 CFR § 180 Primary-Source Lineage & Federal Verification Verified CMS CCN 230070

Verify the Raw Data: Official Hospital MRF, CMS Medicare.gov & Federal Filings

MRF Portal Indexed (383369438_covenant-medical-center-inc_standardcharges.csv) Verify on CMS Medicare.gov (CCN 230070) ↗ CMS HCRIS Cost Reports ↗
Published MRF File383369438_covenant-medical-center-inc_standardcharges.csv
Publication / Vintage2026-05-15 · 785.63 MB
Validated Rate Rows7,775,356 (CMS v3.0.0)
File Integrity Digeste4e731d27db80e59ca45…

Safe-Harbor Data Corrections: Parsed directly from public 45 CFR § 180 hospital filings, CMS Care Compare, and CMS HCRIS cost reports. Hospital compliance officers may submit updated MRF URLs or rate tables for verification.

Submit MRF Update Correction Policy