CMS Price Transparency Data

Speech therapy (group session)

Facility: Covenant Medical Center

Billing Code: 92508 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 92508
Insurance Median: $61
Cash Discount Price: $95
vs. Medicare Baseline: 2.54x Medicare

The contracted insurance negotiated median rate for a Speech therapy (group session) at Covenant Medical Center is $61. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $95. Compared to the federal Medicare reimbursement reference rate of $24.05, this hospital’s rate is 2.54x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$95

Average discount available for prompt cash payment at this facility.

Insurance Median

$61

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$24.05

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $24.05 (100%)

Cash / Self-Pay: $95 (395%)

Insurance Median: $61 (254%)

Cash: $95 (395% of Medicare)

Ins. Median: $61 (254% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $24.05 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 254% of the Medicare baseline (a markup of 154%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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	$10 - $166	42%
Priority Health E	$11 - $139	46%
Blue Cross Blue Shield	$12 - $47	50%
Healthy Michigan Mclaren	$12 - $23	50%
Healthy Michigan Meridian	$12 - $23	50%
Healthy Michigan Molina	$12 - $23	50%
Healthy Michigan Priority Health	$12 - $23	50%
Physicians Health Plan	$13 - $166	54%
Priority Health	$13 - $166	54%
Mclaren Health Advantage	$16 - $136	67%
Humana	$17 - $226	71%
Meritain Health	$18 - $231	75%
Multiplan	$21 - $272	87%
Aetna	$23 - $222	96%
Blue Care Network	$23 - $47	96%
Health Alliance Plan Of Michigan	$23 - $44	96%
Mclaren Advantage	$23	96%
Molina Healthplan	$23	96%
Physicians Health Plan Advantage/Advantage Plus	$23	96%
Cigna	$35 - $166	146%

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 $95.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 92508.

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 92508.
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.