CMS Price Transparency Data

MRI, knee or other leg joint

Facility: Covenant Medical Center

Billing Code: 73721 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 73721
Insurance Median: $283
Cash Discount Price: $1,868
vs. Medicare Baseline: 1.16x Medicare

The contracted insurance negotiated median rate for a MRI, knee or other leg joint at Covenant Medical Center is $283. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,868. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 1.16x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$1,868

Average discount available for prompt cash payment at this facility.

Insurance Median

$283

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$243.77

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $243.77 (100%)

Cash / Self-Pay: $1,868 (766%)

Insurance Median: $283 (116%)

Cash: $1,868 (766% of Medicare)

Ins. Median: $283 (116% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $243.77 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
Aetna	$62 - $2,789	25%
Blue Cross Blue Shield	$62 - $330	25%
Health Alliance Plan Of Michigan	$62 - $470	25%
Healthy Michigan Mclaren	$62 - $191	25%
Healthy Michigan Meridian	$62 - $191	25%
Healthy Michigan Molina	$62 - $191	25%
Healthy Michigan Priority Health	$62 - $191	25%
Humana	$62 - $2,846	25%
Mclaren Advantage	$62 - $244	25%
Molina Healthplan	$62 - $244	25%
Physicians Health Plan Advantage/Advantage Plus	$62 - $244	25%
Priority Health	$62 - $2,087	25%
Health Advantage Mclaren Employee	$88 - $2,087	36%
Priority Health E	$90 - $1,745	37%
Blue Care Network	$102 - $330	42%
Physicians Health Plan	$107 - $2,087	44%
Mclaren Health Advantage	$119 - $1,707	49%
Meritain Health	$149 - $2,902	61%
Multiplan	$176 - $3,415	72%
Cigna	$1,468 - $2,087	602%

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 $1,868.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 73721.

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 73721.
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.