How many shoppable procedure prices are published for Covenant Medical Center?

Covenant Medical Center in Saginaw, MI currently has 133 standardized procedure price records indexed from its public 45 CFR § 180 machine-readable file.

How do Covenant Medical Center's commercial prices compare to the fair BaseRate?

Across scored shoppable procedures, Covenant Medical Center's median negotiated commercial rate is 0.8× the regionally adjusted fair BaseRate benchmark.

What is Covenant Medical Center's CMS Care Compare overall star rating?

CMS Care Compare assigns Covenant Medical Center an overall hospital quality rating of 2 out of 5 stars based on public federal clinical and patient-experience measures.

Hospital Profile Acute Care Hospital Voluntary non-profit - Private 464 Beds · rural Updated: 2026-05-15

Covenant Medical Center

1447 N Harrison, Saginaw, MI 48602 · 133 Priced Procedures · 69% Patient Recommendation

CMS Overall Rating 2 / 5 Stars

Good Deal · Below Fair Market

0.77×vs. Fair Market Price

Typical commercial prices here are 23% below the fair benchmark (0.77×) after accounting for local nurse/doctor wages and patient complexity.

75/100 · Corroborated

75/100Self-Pay Cash Beats Insurance 32% of the Time

File Completeness51

Price Logic73

Peer Alignment70

Clean Billing91

Real Cash Discount97

Regional Benchmark Tier

3-Star CMS clinical quality rating paired with 0.77× fair market pricing.

Behavioral Pricing FingerprintLow Shoppable & Low Captive Rates

Uniform Value Leader · Low-Cost Across Departments

Covenant Medical Center maintains low, disciplined commercial pricing across both routine shoppable procedures (0.6× Medicare, p50 0.80× Fair BaseRate) and emergency/ancillary services (1.0× Medicare, p75 0.94× Fair BaseRate). Both insured and self-pay patients benefit from below-benchmark rates across departments.

#12 of 91 in MI · 12th State Percentile#214 of 3,385 in U.S. · 6th National Percentile

Advantage

Where They're Good (Patient & Payer Edge)

Elective shoppable care is priced 23% below peer Fair BaseRate (0.77×)
Self-pay cash beats commercial insurance on 32% of shoppable procedures (97/100 Cash Honesty)
2-Star CMS clinical rating with 69% patient recommendation (63/100 safety score)
IRS 501(c)(3) charity care provides free care up to 200% FPL and discounted care up to 400% FPL (27.4% AGB cap)

Watchout

Where You Can Get Burned (Markup Traps)

Even at low-cost facilities (0.77× Fair BaseRate), out-of-network or unnegotiated chargemaster bills can exceed commercial medians — confirm in-network status or request a self-pay cash quote up front.
Captive ER (0.9×) & laboratory (0.9×) services average 1.67× higher multiples than routine shoppable care (0.6×)
Upper-quartile procedures (Q75 0.94×) jump +17% above the median procedure ratio (Q50 0.80×)
Consolidated metro market (HHI 6,093) limits in-network hospital competition (Highly Concentrated Monopoly (>2,500))

Front-Door ShoppableElective / Imaging

0.6× Medicare

Pre-scheduled outpatient procedures where patients can comparison-shop.

Back-Door Captive & ER1.67× Divergence

1.0× Medicare

Emergency, inpatient DRG, lab, and specialty drug lines billed after admission.

Quantile Tail Spread+17% Upper Tail

Q25 0.43× · Q50 0.80× · Q75 0.94×

Detects median-gaming when upper-quartile codes spike above the p50 median.

Select any lens to inspect department markups, federal cost accounting, or insurer discounts.

Department & Integrity Multiples (vs. CMS Medicare Cost Anchor) Green ≤1.3× · Teal 1.3–1.8× · Amber 1.8–2.5× · Rose >2.5×

Front-Door Shoppable CareFront-Door Shoppable

0.6× MedicareGood

Outpatient Surgery & ORBack-Door Captive

0.8× MedicareGood

Diagnostic Imaging (CT/MRI)Front-Door Shoppable

1.2× MedicareGood

Back-Door Captive ER VisitsBack-Door Captive

0.9× MedicareGood

Inpatient Lab & PathologyBack-Door Captive

0.9× MedicareGood

Specialty & Infusion Drugs (J-Codes)Back-Door Captive

1.1× MedicareGood

Self-Pay Cash Honesty & 501(r)Integrity & Outcomes

32% Cash Edge · 97/100Good

CMS Clinical Safety & Star ValueIntegrity & Outcomes

2 CMS · 63/100Elevated

Procedure Prices at Covenant Medical Center

High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 133 published procedures.

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Audit a Bill & 501(r) Cap ↓

Procedure & Billing Code	Self-Pay Cash	This Hospital	Fair BaseRate	vs. Fair
Spinal fusion, single level (inpatient stay) MS-DRG Code: `451`	—	$26,097	$30,775	0.8×
Sepsis treatment (inpatient stay) MS-DRG Code: `871`	—	$15,906	$19,087	0.8×
Hip or knee replacement (inpatient stay) MS-DRG Code: `470`	—	$15,798	$19,432	0.8×
Heart stent placement (inpatient stay) MS-DRG Code: `322`	—	$14,485	$17,936	0.8×
Digestive disorders treatment (inpatient stay) MS-DRG Code: `392`	—	$6,703	$8,223	0.8×
Blood transfusion CPT Code: `36430`	$2,447	$2,447	$498	4.9×
C-section delivery (full package) CPT Code: `59510`	$2,247	$2,472	$2,975	unverified
Total hip replacement CPT Code: `27130`	$2,541	$2,278	$13,413	0.2×
Total knee replacement CPT Code: `27447`	$2,734	$2,275	$13,523	0.2×
Vaginal delivery (full package) CPT Code: `59400`	$1,982	$2,205	$2,680	0.8×
Trauma team activation HCPCS Code: `G0390`	$3,355	$1,362	$1,453	0.9×
Gallbladder removal (laparoscopic) CPT Code: `47562`	$1,157	$1,068	$6,109	0.2×
Knee arthroscopy with meniscus repair CPT Code: `29881`	$940	$974	$3,372	0.3×
Cataract surgery with lens implant CPT Code: `66984`	$750	$859	$2,540	0.3×
Bunion correction surgery CPT Code: `28296`	$890	$878	$3,446	0.3×
Inguinal hernia repair CPT Code: `49505`	$720	$849	$3,629	0.2×
Breast lump removal CPT Code: `19120`	$608	$680	$3,875	0.2×
Sleep study (overnight, in lab) CPT Code: `95810`	$1,511	$520	$1,021	0.5×
Colonoscopy with biopsy CPT Code: `45380`	$341	$474	$1,256	0.4×
Injection procedure for pain management HCPCS Code: `G0260`	$1,189	$377	$855	0.4×
Upper endoscopy with biopsy CPT Code: `43239`	$247	$247	$987	0.3×
Behavioral health day program HCPCS Code: `H2012`	—	$236	$100	unverified
CT scan, abdomen and pelvis (with contrast) CPT Code: `74177`	$3,375	$203	$448	0.5×
MRI, brain (with and without contrast) CPT Code: `70553`	$2,685	$203	$511	0.4×
Mental health services (assessment) HCPCS Code: `H0031`	$160	$169	$140	1.2×
Psychiatric evaluation (first visit) CPT Code: `90791`	$132	$170	$185	0.9×
Echocardiogram (heart ultrasound) CPT Code: `93306`	$1,655	$184	$583	0.3×
Psychotherapy session (60 minutes) CPT Code: `90837`	$121	$164	$181	unverified
Mental health services (therapy) HCPCS Code: `H0032`	$160	$169	$65	unverified
Office visit, established patient (30-39 min) CPT Code: `99214`	$214	$119	$123	1.0×
Ultrasound, leg veins (duplex) CPT Code: `93970`	$590	$142	$272	0.5×
CT scan, abdomen and pelvis (no contrast) CPT Code: `74176`	$2,661	$130	$303	0.4×
MRI, lower back (no contrast) CPT Code: `72148`	$1,873	$127	$338	0.4×
MRI, brain (no contrast) CPT Code: `70551`	$1,667	$127	$343	0.4×
MRI, knee or other leg joint CPT Code: `73721`	$1,868	$136	$369	0.4×
Office visit, established patient (20-29 min) CPT Code: `99213`	$125	$91	$87	1.0×
New patient office visit (30-44 min) CPT Code: `99203`	$126	$113	$110	1.0×
Neurobehavioral status check CPT Code: `96116`	$188	$115	$231	0.5×
Care planning with family CPT Code: `90887`	$66	$86	$107	0.8×
Screening mammogram (both breasts) CPT Code: `77067`	$382	$85	$123	0.7×
Diagnostic mammogram (both breasts) CPT Code: `77066`	$376	$101	$148	0.7×
Family therapy session CPT Code: `90847`	$88	$108	$173	0.6×
Hepatitis B immune globulin HCPCS Code: `90371`	$88	$88	$151	0.6×
Psychotherapy session (45 minutes) CPT Code: `90834`	$81	$95	$166	0.6×
CT scan, sinuses CPT Code: `70486`	$1,464	$83	$166	0.5×
CT scan, head (with and without contrast) CPT Code: `70470`	$1,694	$107	$258	0.4×
CT scan, pelvis CPT Code: `72192`	$1,307	$81	$163	0.5×
CT scan, chest (no contrast) CPT Code: `71250`	$1,331	$81	$167	0.5×
Breathing treatment (nebulizer) CPT Code: `94640`	$83	$83	$201	0.4×
CT scan, head (with contrast) CPT Code: `70460`	$1,414	$94	$242	0.4×
Rabies immune globulin HCPCS Code: `90375`	$100	$100	$322	0.3×
Typhoid vaccine HCPCS Code: `90675`	$152	$152	$347	0.4×
Speech therapy (language evaluation) CPT Code: `92507`	$201	$73	$86	0.8×
Ultrasound, thyroid and neck CPT Code: `76536`	$446	$77	$132	0.6×
Ultrasound, abdomen (complete) CPT Code: `76700`	$747	$72	$134	0.5×
Ultrasound, pelvis CPT Code: `76856`	$851	$69	$130	0.5×
Pneumococcal vaccine HCPCS Code: `90732`	$67	$67	$140	0.5×
CT scan, neck (cervical spine) CPT Code: `72125`	$1,566	$79	$169	0.5×
CT scan, lower back (lumbar spine) CPT Code: `72131`	$1,566	$78	$168	0.5×
Varicella (chickenpox) vaccine HCPCS Code: `90716`	$86	$86	$203	0.4×
Review of medical records for care CPT Code: `90889`	$42	$59	$114	0.5×
Extended office visit (prolonged) HCPCS Code: `G2212`	$44	$33	$33	1.0×
Hospital observation (per hour) HCPCS Code: `G0378`	$44	$57	$86	0.7×
Colorectal cancer screening (alternative) HCPCS Code: `G0145`	$27	$26	$27	1.0×
Flu vaccine injection HCPCS Code: `G0008`	$74	$45	$48	0.9×
X-ray, hip CPT Code: `73502`	$291	$45	$93	0.5×
MMR vaccine (measles, mumps, rubella) HCPCS Code: `90707`	$51	$51	$111	0.5×
X-ray, lower back CPT Code: `72110`	$376	$50	$112	0.4×
Ultrasound, abdomen (limited) CPT Code: `76705`	$399	$56	$126	0.4×
CT scan, head (no contrast) CPT Code: `70450`	$1,453	$64	$160	0.4×
Blood test, cholesterol (lipid panel) CPT Code: `80061`	$22	$14	$14	1.0×
Blood test, vitamin D CPT Code: `82306`	$63	$30	$31	1.0×
X-ray, neck (cervical spine) CPT Code: `72040`	$241	$37	$93	0.4×
Colonoscopy (diagnostic) CPT Code: `45378`	$62	$62	$981	0.1×
X-ray, hand CPT Code: `73130`	$199	$36	$93	0.4×
X-ray, ankle CPT Code: `73610`	$235	$34	$93	0.4×
X-ray, chest (two views) CPT Code: `71046`	$148	$31	$93	0.3×
Urinalysis (automated, with microscopy) CPT Code: `81001`	$35	$3	$3	1.0×
Blood test, calcium CPT Code: `82310`	$7	$5	$5	1.0×
Blood test, creatinine (kidney) CPT Code: `82565`	$32	$5	$5	1.0×
Blood test, glucose (blood sugar) CPT Code: `82947`	$31	$4	$4	1.0×
Blood test, average blood sugar (A1c) CPT Code: `83036`	$12	$10	$10	1.0×
Blood test, lipase CPT Code: `83690`	$45	$7	$7	1.0×
Blood test, magnesium CPT Code: `83735`	$20	$7	$7	1.0×
Blood test, potassium CPT Code: `84132`	$35	$5	$5	1.0×
Blood test, sodium CPT Code: `84295`	$35	$5	$5	1.0×
Blood test, PSA (prostate screen) CPT Code: `84153`	$13	$18	$19	0.9×
Blood test, vitamin B12 CPT Code: `82607`	$18	$15	$16	0.9×
Blood test, basic metabolic panel CPT Code: `80048`	$88	$8	$9	0.9×
Blood test, liver function panel CPT Code: `80076`	$69	$8	$9	0.9×
X-ray, shoulder CPT Code: `73030`	$256	$33	$92	0.4×
X-ray, foot CPT Code: `73630`	$228	$32	$92	0.3×
Blood test, urea nitrogen (BUN, kidney) CPT Code: `84520`	$11	$4	$4	1.0×
Blood test, complete blood count (CBC) CPT Code: `85025`	$50	$8	$8	1.0×
Blood test, clotting time (PTT) CPT Code: `85730`	$12	$6	$6	1.0×
Culture, bacterial CPT Code: `87070`	$69	$9	$9	1.0×
Prostate cancer screening (blood test) HCPCS Code: `G0103`	$55	$19	$20	0.9×
Hepatitis C antibody test CPT Code: `86803`	$30	$14	$15	0.9×
Culture, blood CPT Code: `87040`	$80	$10	$11	0.9×
Diagnostic procedure preparation HCPCS Code: `G0279`	$46	$31	$35	0.9×
Orthotic fitting and training CPT Code: `97760`	$87	$44	$51	0.9×
Blood test, amylase CPT Code: `82150`	$34	$6	$7	0.9×
Speech therapy (group session) CPT Code: `92508`	$95	$23	$27	0.9×
Physical therapy (gait training) CPT Code: `97116`	$116	$28	$33	0.8×
Prosthetic fitting and training CPT Code: `97761`	$97	$38	$45	0.8×
Electrical stimulation therapy HCPCS Code: `G0283`	$123	$12	$14	0.9×
Physical therapy (functional capacity test) CPT Code: `97750`	$139	$32	$38	0.8×
Occupational therapy (therapeutic activities) CPT Code: `97530`	$113	$33	$40	0.8×
Physical therapy (neuromuscular re-education) CPT Code: `97112`	$123	$31	$38	0.8×
Occupational therapy (self-care training) CPT Code: `97535`	$102	$31	$38	0.8×
Blood test, clotting time (PT/INR) CPT Code: `85610`	$12	$4	$5	0.8×
Blood antibody screen CPT Code: `86850`	$58	$28	$46	0.6×
Electrocardiogram (ECG/EKG) CPT Code: `93000`	$29	$15	$25	0.6×
Tdap vaccine (tetanus, diphtheria, pertussis) HCPCS Code: `90715`	$29	$29	$56	0.5×
Blood test, hemoglobin CPT Code: `85018`	$12	$2	$3	0.7×
Flu vaccine (high dose) HCPCS Code: `90656`	$15	$15	$25	0.6×
Hepatitis B vaccine HCPCS Code: `90744`	$18	$18	$37	0.5×
DTaP vaccine (diphtheria, tetanus, pertussis) HCPCS Code: `90700`	$16	$16	$39	0.4×
Colorectal cancer screening HCPCS Code: `G0010`	$18	$18	$49	0.4×
Group therapy session CPT Code: `90853`	$34	$32	$100	0.3×
Psychological testing evaluation CPT Code: `96136`	$33	$33	$128	0.3×
Psychological testing by technician CPT Code: `96138`	$50	$55	$395	0.1×
Physical therapy (therapeutic exercise) CPT Code: `97110`	$127	$28	$35	0.8×
Physical therapy (manual therapy) CPT Code: `97140`	$155	$27	$34	0.8×
Pneumonia vaccine injection HCPCS Code: `G0009`	$62	$32	$49	0.7×
Drug screening test HCPCS Code: `G0480`	$47	$47	$116	0.4×
Behavioral health living support HCPCS Code: `H2019`	$16	$17	$34	0.5×
X-ray, chest (single view) CPT Code: `71045`	$148	$24	$92	0.3×
X-ray, pelvis CPT Code: `72170`	$176	$26	$110	0.2×
Electrocardiogram (EKG, tracing only) CPT Code: `93005`	$137	$13	$64	0.2×
Blood test, comprehensive metabolic panel CPT Code: `80053`	$113	$12	$11	unverified
Blood test, ferritin (iron stores) CPT Code: `82728`	$40	$14	$14	unverified
Blood test, thyroid (TSH) CPT Code: `84443`	$31	$17	$18	unverified

Showing top 25 high-impact procedures of 133 total

Inline Bill X-Ray & 501(r) Calculator 501(c)(3) Nonprofit · Free Care ≤200% FPL · AGB Cap 27.4%

Audit a Bill or Quote at Covenant Medical Center (Zero PHI Required)

CMS CCN: 230070

CPT 451

Select Procedure to Audit:

Fair BaseRate™ $30,775

Medicare Rate $23,504

Self-Pay Cash Request Quote

Insurer Median $26,097

1. Amount on Your Bill or Quote ($) Pre-filled with Covenant Medical Center’s charged/list benchmark

2. Household Annual Income ($) Screened against 2026 HHS Federal Poverty Guidelines

3. Household Size (1–8) 2026 FPL: $15,650 + $5,500 per additional person

Step 1 · 501(r) Charity Care Check 501(r) AGB Cap: $17,193 (274% FPL)

Statutory 501(r) AGB Cap Limits Bill to $17,193

At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (27.4% of gross = $17,193).

Step 2 · Cash vs. Insurance Arbitrage Request Prompt-Pay Quote

Compare Prompt-Pay Cash Rate Against Remaining Deductible

Ask Covenant Medical Center's billing desk for their written 45 CFR § 180 discounted self-pay cash price and Good Faith Estimate under the No Surprises Act.

Step 3 · Fair BaseRate Target +$31,858 Above Fair BaseRate

Negotiate Toward $30,775 Fair BaseRate ($23,504 Medicare)

Your bill ($62,633) is $31,858 above the denoised Fair BaseRate ($30,775) and 2.7× the $23,504 Medicare rate.

1-Click Factual Dispute Summary: Copy a citation-backed benchmark memo (with CMS CCN, CPT code, Medicare reference, Fair BaseRate, and 26 U.S.C. § 501(r) calculations) to paste into patient-portal messages or billing appeals.

IRS Form 990 Schedule H & 26 U.S.C. § 501(r) 501(c)(3) Nonprofit Hospital

Financial Assistance Policy (FAP) & Amounts Generally Billed (AGB)

EIN: 383369438

Filing Period: 199805

Free Care Eligibility BenchmarkUp to 200% FPL100% charity write-off income threshold

Discounted Care EligibilityUp to 400% FPLSliding-scale & AGB billing cap tier

Charity Care Share of ExpensesSee Schedule HNet community financial assistance reported

26 U.S.C. § 501(r)(5) AGB Benchmark Method: lookback_commercial_median

Hospital-Specific CMS HCRIS Benchmark (27.4% of gross charges)

Under 26 U.S.C. § 501(r)(5), a tax-exempt hospital organization may not bill FAP-eligible patients more than Amounts Generally Billed (AGB) to individuals with insurance covering emergency or medically necessary care. Derived from this facility’s reported CMS HCRIS cost-to-charge & insurer allowance filings. Verify your exact Financial Assistance Policy (FAP) determination directly with the billing office.

Screen your household size, income, and itemized CPT codes against 2026 HHS Federal Poverty Guidelines: Calculate Your 501(r) Cap Above ↑

CMS Care Compare Public Quality Record

Clinical Quality, Patient Experience & Infection Benchmarks

CMS Overall3/5 Stars (3/5)

Safety Composite63/100

Would Recommend69%

Rated 9 or 10 (HCAHPS)69%

Median ER Wait208 min

Left ER Before Seen7%

30-Day Mortality vs U.S.same

Unplanned Readmissionworse

Hip/Knee Complication Rate2.8%

Healthcare-Associated Infections (CDC NHSN / CMS HAI)

1.00 SIR = National Predicted Baseline (Lower Is Safer)

Central-Line Bloodstream Infectionsame

C. diff Hospital-Onset Infectionbetter

CMS Price Transparency Administrative Enforcement Log

Factual public administrative actions published by the Centers for Medicare & Medicaid Services regarding 45 CFR § 180 compliance at Covenant Medical Center. Prior administrative notices do not necessarily reflect current compliance status.

2026-04-16·warning_notice
Warning Notice
Recorded
2025-04-07·administrative_or_closure
Closure Notice
Recorded
2025-02-12·cap_corrective_action
CAP Request
Recorded
2024-10-31·warning_notice
Warning Notice
Recorded

Source: CMS Hospital Care Compare (1,031 completed HCAHPS patient surveys). Clinical quality metrics summarize historical facility-wide cohorts and are not medical advice for individual care decisions.

Care-Setting Arbitrage, Bilateral SVD Insurer Leverage & Regional Alternatives

How to Pay Less Nearby: Freestanding Centers, Insurer Leverage & Outpatient Savings

Regional Quality & Price Benchmark Pareto Frontier (Price + Quality)

2D regional comparison of commercial negotiated price index against CMS clinical quality composite for Covenant Medical Center.

Price Index: 0.10× regional baseline

Quality: 47/100 CMS composite

Median Household Income$58,347U.S. Census ACS

Local Uninsured Share4.1%Regional ACS estimate

200% FPL (1 Person)$31,920Common free-care ceiling

400% FPL (Family of 4)$128,600Common AGB cap ceiling

45 CFR § 180 Primary-Source Lineage & Federal Verification VeriRate 75/100 · Corroborated CMS CCN 230070 EIN 383369438

Verify the Raw Data: Official Hospital MRF, CMS Medicare.gov & Federal Filings

MRF Portal Indexed (CMS_45_CFR_180_FILING.json) Verify on CMS Medicare.gov (CCN 230070) ↗ Verify IRS Form 990 (EIN 383369438) ↗ CMS HCRIS Cost Reports ↗

Published MRF FileCMS_45_CFR_180_FILING.json

Publication / Vintage2026-05-15

Validated Rate Rows19,842 (CMS v3.0.0)

File Integrity DigestVerified · CCN 230070

Safe-Harbor Data Corrections: Parsed directly from public 45 CFR § 180 hospital filings, CMS Care Compare, and CMS HCRIS cost reports. Hospital compliance officers may submit updated MRF URLs or rate tables for verification.

Submit MRF Update Correction Policy