CMS Price Transparency Data

X-ray, lower back

Facility: Covenant Medical Center

Billing Code: 72110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72110
Insurance Median: $50
Cash Discount Price: $376
vs. Medicare Baseline: 0.47x Medicare

The contracted insurance negotiated median rate for a X-ray, lower back at Covenant Medical Center is $50. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $376. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 0.47x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$376

Average discount available for prompt cash payment at this facility.

Insurance Median

$50

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$106.81

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $106.81 (100%)

Cash / Self-Pay: $376 (352%)

Insurance Median: $50 (47%)

Cash: $376 (352% of Medicare)

Ins. Median: $50 (47% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $106.81 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	$11 - $295	10%
Aetna	$12 - $395	11%
Blue Cross Blue Shield	$12 - $83	11%
Health Alliance Plan Of Michigan	$12 - $206	11%
Healthy Michigan Mclaren	$12 - $56	11%
Healthy Michigan Meridian	$12 - $56	11%
Healthy Michigan Molina	$12 - $56	11%
Healthy Michigan Priority Health	$12 - $56	11%
Humana	$12 - $403	11%
Mclaren Advantage	$12 - $107	11%
Mclaren Health Advantage	$12 - $242	11%
Molina Healthplan	$12 - $107	11%
Physicians Health Plan Advantage/Advantage Plus	$12 - $107	11%
Priority Health	$12 - $295	11%
Priority Health E	$12 - $247	11%
Physicians Health Plan	$14 - $295	13%
Meritain Health	$19 - $411	18%
Blue Care Network	$20 - $107	19%
Multiplan	$22 - $483	21%
Cigna	$295	276%

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 $376.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 72110.

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 72110.
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.