CMS Price Transparency Data

Office visit, established patient (30-39 min)

Facility: Covenant Medical Center

Billing Code: 99214 (CPT)

Factual Cost Summary (Answer Capsule)
  • CPT Billing Code: 99214
  • Insurance Median: $130
  • Cash Discount Price: $214
  • vs. Medicare Baseline: 0.96x Medicare
The contracted insurance negotiated median rate for a Office visit, established patient (30-39 min) at Covenant Medical Center is $130. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $214. Compared to the federal Medicare reimbursement reference rate of $135.6, this hospital’s rate is 0.96x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.
Cash / Self-Pay
$214

Average discount available for prompt cash payment at this facility.

Insurance Median
$130

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate
$135.6

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $135.6 (100%)
Cash / Self-Pay: $214 (158%)
Insurance Median: $130 (96%)
Cash: $214 (158% of Medicare)
Ins. Median: $130 (96% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $135.6 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
Blue Cross Blue Shield $68 - $155 50%
Health Advantage Mclaren Employee $68 - $168 50%
Healthy Michigan Mclaren $68 - $84 50%
Healthy Michigan Meridian $68 - $84 50%
Healthy Michigan Molina $68 - $84 50%
Healthy Michigan Priority Health $68 - $84 50%
Priority Health E $69 - $140 51%
Mclaren Health Advantage $72 - $137 53%
Physicians Health Plan $82 - $168 60%
Priority Health $82 - $168 60%
Aetna $84 - $224 62%
Health Alliance Plan Of Michigan $84 - $263 62%
Humana $84 - $229 62%
Mclaren Advantage $84 - $136 62%
Molina Healthplan $84 - $136 62%
Physicians Health Plan Advantage/Advantage Plus $84 - $136 62%
Meritain Health $115 - $233 85%
Blue Care Network $119 - $155 88%
Multiplan $135 - $274 100%
Cigna $168 124%

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