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Short Term Acute Care HospitalVoluntary Non-Profit - Private

Covenant Medical Center

Covenant HealthCare · Saginaw, MI

1447 North Harrison Street, Saginaw, MI 48602(989) 583-4000

2 of 5

CMS star rating

524

Beds

23,242

Inpatient discharges a year

$796.9M

Net patient revenue a year

26

In-network payers

About this hospital

Covenant Medical Center is a 524-bed voluntary non-profit - private hospital in Saginaw, MI, affiliated with Covenant HealthCare. Below you'll find publicly disclosed negotiated rates and facility details, including 26 in-network payers and 233 disclosed rate categories.

  • Rural referral center
  • Reclassified as rural
  • Disproportionate share hospital
  • 340B participant
  • ACO participant
CCN
230070
NPI
1588656946
Website
covenanthealthcare.com
Health system
Covenant HealthCare
Teaching
Teaching hospital
County
Saginaw County
Metro area
Saginaw, MI MSA
Medicare contractor
Jurisdiction 8, WPS Government Health Administrators (08001)
In Medicare since
1966
Last CMS survey
2016

Prices for common services

The 24 services Covenant Medical Center most likely performs, ranked by likely volume and what it is paid. Each service names one insurer. * marks hidden insurer names; A, B and C rank the remaining rates from low to high and reset for each service.

Book a demo to see hidden insurer names, more payer rates, and hospital data, or start a free trial.

CT imaging

CT abdomen and pelvis with contrast

CPT 74177

$445 - $3,543

from 3 insurers · median $2,652

Aetna$3,543
Insurer A*$445
Insurer B*$2,652
Medicare $327Nearby hospitals $850212% above nearby hospitals

Common here, based on CMS Medicare volume

Gynecology

Hysteroscopy with sampling of the uterine lining

CPT 58558

$3,406 - $9,628

from 2 insurers · median $6,517

Blue Cross$3,406
Insurer A*$9,628
Medicare $3,038Nearby hospitals $3,031115% above nearby hospitals

30 Medicare claims in Level 4 Gynecologic Procedures (CMS 2024)

Childbirth · Inpatient

Vaginal delivery, hospital stay

MS-DRG 807

$6,174

negotiated rate

Blue Cross$6,174

CMS lists this service as CPT 59400, the obstetrician's global fee. The hospital bills the delivery stay as MS-DRG 807, so these are facility case rates.

Hospital reports neonatal nursery services to CMS

CT imaging

CT head or brain without contrast

CPT 70450

$135 - $1,245

from 3 insurers · median $1,141

Aetna$1,245
Insurer A*$135
Insurer B*$1,141
Medicare $98Nearby hospitals $149667% above nearby hospitals

Common here, based on CMS Medicare volume

How the insurers pay at Covenant Medical Center

Median rate as a percent of Medicare across the outpatient services above, and how many services sit above or below the same insurer's median at nearby hospitals. * marks hidden insurer names. These table labels track the same insurers across services; the labels on each service card reset.

InsurerServicesMedian % of MedicareAbove nearbyBelow nearby
Insurer A*11
608%
00
Insurer B*20
320%
150
Insurer C*24
122%
513

How we chose these services: 7 appear in this hospital's own Medicare claims, 13 are common here based on CMS Medicare volume, and 4 are typical for the service lines it reports to CMS. Rates come from insurer and hospital price transparency files as of October 2026. Rates under a quarter of Medicare or over 20 times Medicare are left out as likely physician-fee rows or file errors. Book a demo to see all 300 CMS shoppable services for Covenant Medical Center, or start a free trial.

Insurance Accepted

Acceptance varies by plan and service. Confirm coverage with your insurer or the hospital's billing department.

Medicare
Aetna
BCBS
Ameri HealthAspirus Health PlanBanner HealthCareSource (incl Common Ground Health Coop)CenteneGroup Health Cooperative of South Central Wisconsin

More about this hospital

  • Quality

    2 of 5 stars

    • 198 min in the ER before going home (US median 148)
    • Medicare readmissions penalty (-0.66%)
    See quality ratings

  • Doctors and services

    Accredited by ACHC

    • Teaching hospital
    • 43 services, including trauma care
    • 936 affiliated clinicians
    See doctors and services

  • Finances

    $796.9M net patient revenue

    • Operating margin on patient care -6.8%
    • $10.2M unreimbursed and uncompensated care
    • $13M net income
    See finances

  • Ownership and leadership

    Private (not for profit)

    • Bethany Charlton, chief executive
    • 340B drug pricing program participant
    See ownership and leadership

Tax IDs and NPIs insurers list

The employer identification numbers (EINs) health plans and networks list for Covenant Medical Center in the in-network rate files they publish, with the organization NPIs billed under each.

Tax ID (EIN)Plans and networks listing itOrganization NPIs
38-3369438(multi-state) Covenant Medical Center INC52Aetna, Allied Benefit Systems, Ambetter, Aspirus Health Plan, Asuris Northwest Health and 47 more1588656946 Covenant Medical Center Inc.1831244466 Covenant Medical Center Inc.1144254525 Covenant Medical Center Incand 37 more

Source: PayerPrice analysis of insurers' Transparency in Coverage in-network files. An EIN can cover several hospitals and clinics in a health system, and insurers sometimes list other organizations' NPIs under it.

Location

1447 North Harrison Street, Saginaw, MI 48602

(989) 583-4000

Get directions

Frequently asked questions

About Covenant Medical Center's rates and hospital price transparency.

How much does an MRI cost at Covenant Medical Center?

For MRI brain before and after contrast (CPT 70553), published negotiated rates at Covenant Medical Center range from $429 to $2,110 across 3 insurers. Aetna's rate is $1,585. The median at nearby comparable hospitals is $523. What a patient pays depends on their plan's deductible, coinsurance and network status.

How much does a CT scan cost at Covenant Medical Center?

For CT abdomen and pelvis with contrast (CPT 74177), published negotiated rates at Covenant Medical Center range from $445 to $3,543 across 3 insurers. Aetna's rate is $3,543. The median at nearby comparable hospitals is $850. What a patient pays depends on their plan's deductible, coinsurance and network status.

How much does a colonoscopy cost at Covenant Medical Center?

For Colonoscopy with biopsy (CPT 45380), published negotiated rates at Covenant Medical Center range from $1,079 to $2,821 across 2 insurers. Aetna's rate is $2,821. The median at nearby comparable hospitals is $1,206. What a patient pays depends on their plan's deductible, coinsurance and network status.

How much does giving birth cost at Covenant Medical Center?

For Vaginal delivery, hospital stay (MS-DRG 807), published negotiated rates at Covenant Medical Center range from $6,174 to $6,174 across 1 insurers. Blue Cross Blue Shield's rate is $6,174. What a patient pays depends on their plan's deductible, coinsurance and network status.

How much does a mammogram cost at Covenant Medical Center?

For Screening mammography, bilateral (CPT 77067), published negotiated rates at Covenant Medical Center range from $146 to $300 across 3 insurers. Cigna's rate is $300. The median at nearby comparable hospitals is $177. What a patient pays depends on their plan's deductible, coinsurance and network status.

What is Covenant Medical Center's CMS star rating?

Covenant Medical Center has a CMS overall hospital star rating of 2 out of 5 on Medicare Care Compare (CMS data released 2026-08-13). That is lower than 73% of US hospitals.

Is Covenant Medical Center a teaching hospital?

Yes. CMS counts 0.17 Medicare-funded residents per bed at Covenant Medical Center for fiscal year 2027, so it is a teaching hospital.

Does Medicare penalize Covenant Medical Center for readmissions?

Yes. Under the Hospital Readmissions Reduction Program, Medicare cuts Covenant Medical Center's base inpatient payments by an estimated 0.66% in fiscal year 2027 for more readmissions than expected.

What are the most common Medicare inpatient stays at Covenant Medical Center?

In 2024, the most common were septicemia or severe sepsis without mv >96 hours with mcc (346 discharges), heart failure and shock with mcc (223 discharges), respiratory infections and inflammations with mcc (121 discharges).

What is Covenant Medical Center's case mix index?

Covenant Medical Center's Medicare case mix index is 1.81 for fiscal year 2027, higher than 63% of hospitals paid under the inpatient prospective payment system.

For hospital finance and compliance teams

Running price transparency at a hospital like this one?

The data on this page comes from the files hospitals and payers publish. We help hospitals publish theirs correctly, and take a fresh look at their chargemaster.

Compliance MRF

Publish a CMS-compliant machine-readable file

We turn your chargemaster and payer contracts into the CMS template file, then keep it current as rates change.

CMS v3 example: standard_charge_information[0]
{
  "description": "MRI of brain (no contrast)",
  "code_information": [
    { "code": "611", "type": "RC" },
    { "code": "70551", "type": "CPT" }
  ],
  "standard_charges": [{
    "setting": "outpatient",
    "minimum": 250,
    "maximum": 400,
    "gross_charge": 1200,
    "discounted_cash": 1080,
    "payers_information": [
      {
        "payer_name": "Platform Health Insurance",
        "plan_name": "PPO",
        "methodology": "fee schedule",
        "standard_charge_dollar": 400
      },
      {
        "payer_name": "Region Health Insurance",
        "plan_name": "HMO",
        "methodology": "fee schedule",
        "standard_charge_dollar": 250
      }
    ]
  }]
}
  • CMS template layout, in JSON or CSV
  • Gross, discounted cash, payer-specific and de-identified min / max charges
  • cms-hpt.txt file and homepage footer link
  • Refreshed when your contracts change
Talk to us about your MRF
Chargemaster analysis

Get your chargemaster right for billing and payer contracts

Your chargemaster sets the gross charge on every claim, and many payer contracts base payment on it through percent-of-charge, lesser-of and stop-loss terms. We audit it line by line and show how your charges and negotiated rates compare with peer hospitals before your next negotiation.

What a review covers

CodingPricingPayer contractsCompliance
  • CPT, HCPCS, revenue code and modifier errors flagged line by line
  • Missing, duplicate and outdated charge lines identified
  • Charges set below payer allowables caught before lesser-of clauses cut payment
  • Revenue impact of charge changes modeled across percent-of-charge and stop-loss terms
  • Your negotiated rates benchmarked against peer hospitals for the same payers
Talk to us about your chargemaster