CMS Price Transparency Data

Psychological testing evaluation

Facility: Covenant Medical Center

Billing Code: 96136 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 96136
Insurance Median: $43
Cash Discount Price: $33
vs. Medicare Baseline: 0.32x Medicare

The contracted insurance negotiated median rate for a Psychological testing evaluation at Covenant Medical Center is $43. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $33. Compared to the federal Medicare reimbursement reference rate of $135.93, this hospital’s rate is 0.32x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$33

Average discount available for prompt cash payment at this facility.

Insurance Median

$43

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$135.93

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $135.93 (100%)

Cash / Self-Pay: $33 (24%)

Insurance Median: $43 (32%)

Cash: $33 (24% of Medicare)

Ins. Median: $43 (32% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $135.93 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	$21	15%
Priority Health E	$22	16%
Mclaren Health Advantage	$26	19%
Physicians Health Plan	$26	19%
Priority Health	$26 - $136	19%
Humana	$35 - $136	26%
Meritain Health	$36	26%
Aetna	$42 - $136	31%
Blue Cross Blue Shield	$42 - $71	31%
Health Alliance Plan Of Michigan	$42 - $262	31%
Healthy Michigan Mclaren	$42 - $71	31%
Healthy Michigan Meridian	$42 - $71	31%
Healthy Michigan Molina	$42 - $71	31%
Healthy Michigan Priority Health	$42 - $71	31%
Mclaren Advantage	$42 - $136	31%
Molina Healthplan	$42 - $136	31%
Multiplan	$42	31%
Physicians Health Plan Advantage/Advantage Plus	$42 - $136	31%
Blue Care Network	$67 - $136	49%

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 $33.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 96136.

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 96136.
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.