CMS Price Transparency Data

Vaginal delivery (full package)

Facility: Covenant Medical Center

Billing Code: 59400 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 59400
Insurance Median: $2,205
Cash Discount Price: $1,982
vs. Medicare Baseline: 1.00x Medicare

The contracted insurance negotiated median rate for a Vaginal delivery (full package) at Covenant Medical Center is $2,205. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,982. Compared to the federal Medicare reimbursement reference rate of $2,214.42, this hospital’s rate is 1.00x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$1,982

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,205

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$2,214.42

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $2,214.42 (100%)

Cash / Self-Pay: $1,982 (90%)

Insurance Median: $2,205 (100%)

Cash: $1,982 (90% of Medicare)

Ins. Median: $2,205 (100% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $2,214.42 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	$1,153 - $8,918	52%
Healthy Michigan Mclaren	$1,153 - $2,205	52%
Healthy Michigan Meridian	$1,153 - $2,205	52%
Healthy Michigan Molina	$1,153 - $2,205	52%
Healthy Michigan Priority Health	$1,153 - $2,205	52%
Health Advantage Mclaren Employee	$1,274	58%
Priority Health E	$1,302	59%
Physicians Health Plan	$1,557	70%
Priority Health	$1,557 - $2,205	70%
Mclaren Health Advantage	$2,043	92%
Humana	$2,123 - $2,205	96%
Meritain Health	$2,166	98%
Aetna	$2,205 - $2,656	100%
Blue Care Network	$2,205 - $8,918	100%
Health Alliance Plan Of Michigan	$2,205 - $4,256	100%
Mclaren Advantage	$2,205	100%
Molina Healthplan	$2,205	100%
Physicians Health Plan Advantage/Advantage Plus	$2,205	100%
Multiplan	$2,548	115%

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 $1,982.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 59400.

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 59400.
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.