CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Covenant Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $644
Cash Discount Price: $1,511
vs. Medicare Baseline: 0.73x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Covenant Medical Center is $644. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,511. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 0.73x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$1,511

Average discount available for prompt cash payment at this facility.

Insurance Median

$644

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$877.34

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $877.34 (100%)

Cash / Self-Pay: $1,511 (172%)

Insurance Median: $644 (73%)

Cash: $1,511 (172% of Medicare)

Ins. Median: $644 (73% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $877.34 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
Aetna	$117 - $3,158	13%
Blue Cross Blue Shield	$117 - $1,295	13%
Health Alliance Plan Of Michigan	$117 - $1,693	13%
Healthy Michigan Mclaren	$117 - $625	13%
Healthy Michigan Meridian	$117 - $625	13%
Healthy Michigan Molina	$117 - $625	13%
Healthy Michigan Priority Health	$117 - $625	13%
Humana	$117 - $3,222	13%
Mclaren Advantage	$117 - $877	13%
Molina Healthplan	$117 - $877	13%
Physicians Health Plan Advantage/Advantage Plus	$117 - $877	13%
Priority Health	$117 - $2,363	13%
Health Advantage Mclaren Employee	$128 - $2,363	15%
Priority Health E	$131 - $1,976	15%
Blue Care Network	$146 - $1,295	17%
Physicians Health Plan	$157 - $2,363	18%
Mclaren Health Advantage	$197 - $1,933	22%
Meritain Health	$218 - $3,286	25%
Multiplan	$256 - $3,866	29%
Cigna	$1,187 - $2,363	135%

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 $1,511.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 95810.

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 95810.
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.