CMS Price Transparency Data

X-ray, hip

Facility: Covenant Medical Center

Billing Code: 73502 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 73502
Insurance Median: $45
Cash Discount Price: $291
vs. Medicare Baseline: 0.51x Medicare

The contracted insurance negotiated median rate for a X-ray, hip at Covenant Medical Center is $45. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $291. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 0.51x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$291

Average discount available for prompt cash payment at this facility.

Insurance Median

$45

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$88.91

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $88.91 (100%)

Cash / Self-Pay: $291 (327%)

Insurance Median: $45 (51%)

Cash: $291 (327% of Medicare)

Ins. Median: $45 (51% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $88.91 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	$9 - $228	10%
Priority Health E	$9 - $191	10%
Aetna	$10 - $305	11%
Blue Cross Blue Shield	$10 - $76	11%
Health Alliance Plan Of Michigan	$10 - $172	11%
Healthy Michigan Mclaren	$10 - $46	11%
Healthy Michigan Meridian	$10 - $46	11%
Healthy Michigan Molina	$10 - $46	11%
Healthy Michigan Priority Health	$10 - $46	11%
Humana	$10 - $311	11%
Mclaren Advantage	$10 - $89	11%
Molina Healthplan	$10 - $89	11%
Physicians Health Plan	$10 - $228	11%
Physicians Health Plan Advantage/Advantage Plus	$10 - $89	11%
Priority Health	$10 - $228	11%
Mclaren Health Advantage	$12 - $187	13%
Meritain Health	$15 - $317	17%
Blue Care Network	$17 - $89	19%
Multiplan	$17 - $374	19%
Cigna	$228	256%

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 $291.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 73502.

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 73502.
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.