CMS Price Transparency Data

Inguinal hernia repair

Facility: Covenant Medical Center

Billing Code: 49505 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$891

about 0.2× the $3,658 Medicare rate · typically $842–$1,529

modeled estimate · not a bill or quote

What this hospital charges insurers

$849

About the fair price

about $42 under the fair price · 0.2× Medicare

Medicare pays $3,658 Fair price $891 This hospital $849 Cash price $720 Hospital's list price $1,029

How we calculate the fair BaseRate →

How this hospital compares to other MI hospitals

Highest price of the 9 MI hospitals we have prices for — worth calling around.

Cheapest $484 Priciest $849

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

A fair price for a Inguinal hernia repair is about $891 (about 0.2× the $3,658 Medicare rate). Covenant Medical Center charges insurers about $849, or about $720 in cash — about the fair price. 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.

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

✓ Blue Cross Blue Shield✓ Aetna✓ Humana UnitedHealthcareCignaKaiser 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	$501 - $4,468	14%
Aetnamajor	$501 - $3,658	14%
Humanamajor	$501 - $3,658	14%
Meridian	$501 - $1,913	14%
Molina	$501 - $3,658	14%
Priority Health	$433 - $3,658	12%
+ 7 smaller / regional plans	$423 - $7,060

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

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 720), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 49505.

Insurance Before you use insurance

Call your insurance company to confirm Covenant Medical Center is in-network.
Ask your insurer whether prior approval is required for CPT code 49505.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

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

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at Covenant Medical Center

Compare: Inguinal hernia repair at other MI hospitals

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