CMS Price Transparency Data

MRI, brain (with and without contrast)

Facility: Covenant Medical Center

Billing Code: 70553 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70553
Insurance Median: $297
Cash Discount Price: $2,685
vs. Medicare Baseline: 0.83x Medicare

The contracted insurance negotiated median rate for a MRI, brain (with and without contrast) at Covenant Medical Center is $297. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,685. Compared to the federal Medicare reimbursement reference rate of $356.43, this hospital’s rate is 0.83x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$2,685

Average discount available for prompt cash payment at this facility.

Insurance Median

$297

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$356.43

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $356.43 (100%)

Cash / Self-Pay: $2,685 (753%)

Insurance Median: $297 (83%)

Cash: $2,685 (753% of Medicare)

Ins. Median: $297 (83% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $356.43 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	$85 - $2,110	24%
Priority Health E	$87 - $1,765	24%
Aetna	$103 - $2,819	29%
Blue Cross Blue Shield	$103 - $517	29%
Health Alliance Plan Of Michigan	$103 - $688	29%
Healthy Michigan Mclaren	$103 - $297	29%
Healthy Michigan Meridian	$103 - $297	29%
Healthy Michigan Molina	$103 - $297	29%
Healthy Michigan Priority Health	$103 - $297	29%
Humana	$103 - $2,877	29%
Mclaren Advantage	$103 - $356	29%
Molina Healthplan	$103 - $356	29%
Physicians Health Plan Advantage/Advantage Plus	$103 - $356	29%
Priority Health	$103 - $2,110	29%
Physicians Health Plan	$104 - $2,110	29%
Meritain Health	$145 - $2,935	41%
Multiplan	$170 - $3,452	48%
Blue Care Network	$173 - $517	49%
Mclaren Health Advantage	$237 - $1,726	66%
Cigna	$2,110	592%

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 $2,685.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 70553.

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 70553.
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.