CMS Price Transparency Data

Physical therapy (neuromuscular re-education)

Facility: Covenant Medical Center

Billing Code: 97112 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97112
Insurance Median: $31
Cash Discount Price: $123
vs. Medicare Baseline: 0.95x Medicare

The contracted insurance negotiated median rate for a Physical therapy (neuromuscular re-education) at Covenant Medical Center is $31. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $123. Compared to the federal Medicare reimbursement reference rate of $32.73, this hospital’s rate is 0.95x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$123

Average discount available for prompt cash payment at this facility.

Insurance Median

$31

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$32.73

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $32.73 (100%)

Cash / Self-Pay: $123 (376%)

Insurance Median: $31 (95%)

Cash: $123 (376% of Medicare)

Ins. Median: $31 (95% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $32.73 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
Blue Cross Blue Shield	$16 - $42	49%
Healthy Michigan Mclaren	$16 - $31	49%
Healthy Michigan Meridian	$16 - $31	49%
Healthy Michigan Molina	$16 - $31	49%
Healthy Michigan Priority Health	$16 - $31	49%
Health Advantage Mclaren Employee	$18 - $97	55%
Priority Health E	$19 - $81	58%
Physicians Health Plan	$23 - $97	70%
Priority Health	$23 - $97	70%
Aetna	$27 - $129	82%
Mclaren Health Advantage	$29 - $79	89%
Blue Care Network	$31 - $42	95%
Health Alliance Plan Of Michigan	$31 - $61	95%
Humana	$31 - $132	95%
Mclaren Advantage	$31	95%
Meritain Health	$31 - $135	95%
Molina Healthplan	$31	95%
Physicians Health Plan Advantage/Advantage Plus	$31	95%
Multiplan	$37 - $158	113%
Cigna	$97	296%

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 $123.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97112.

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 97112.
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.