CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Covenant Medical Center

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $95
Cash Discount Price: $81
vs. Medicare Baseline: 0.52x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Covenant Medical Center is $95. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $81. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.52x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$81

Average discount available for prompt cash payment at this facility.

Insurance Median

$95

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$181.34

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $181.34 (100%)

Cash / Self-Pay: $81 (45%)

Insurance Median: $95 (52%)

Cash: $81 (45% of Medicare)

Ins. Median: $95 (52% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $181.34 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	$52	29%
Priority Health E	$53	29%
Physicians Health Plan	$63	35%
Priority Health	$63 - $181	35%
Mclaren Health Advantage	$79	44%
Humana	$86 - $181	47%
Meritain Health	$88	49%
Aetna	$90 - $181	50%
Blue Cross Blue Shield	$91 - $118	50%
Health Alliance Plan Of Michigan	$91 - $350	50%
Healthy Michigan Mclaren	$91 - $95	50%
Healthy Michigan Meridian	$91 - $95	50%
Healthy Michigan Molina	$91 - $95	50%
Healthy Michigan Priority Health	$91 - $95	50%
Mclaren Advantage	$91 - $181	50%
Molina Healthplan	$91 - $181	50%
Physicians Health Plan Advantage/Advantage Plus	$91 - $181	50%
Multiplan	$104	57%
Blue Care Network	$118 - $181	65%

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 $81.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90834.

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 90834.
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.