With healthcare reform, increasing copays and deductibles, and increased focus on healthcare costs, consumers want more information on healthcare prices. Covenant HealthCare is committed to supporting healthcare price transparency by providing you with information you need to understand the costs of care and make informed decisions.
Below are links to the hospital’s chargemaster and shoppable services, as well as frequently asked questions.
Frequently Asked Questions
What is a chargemaster and standard charges?
This is the price for services provided prior to insurance contract discounts.
How are prices established?
Prices for services are based on many factors:
- The cost of staff, equipment, and supplies
- The amount of time staff is involved in procedures
- Additional support expenses such as housekeeping, billing, and technology
The hospital follows national billing guidelines as outlined by the Centers for Medicare and Medicaid Services (CMS).
How do I know how much I will be charged?
Follow the pricing information link above. Enter the service you are inquiring on into the search services box and select your insurance payer. The payor allowed amount is the contracted payment for the service. Your payment will be your remaining deductible, coinsurance, co-pay, and out-of-pocket maximums related to the payor allowed amount.
Your actual charges may be different from the estimated charges for many reasons, including the seriousness of your medical condition, actual time the procedure takes and the services and supplies that you receive. Please keep in mind this list is not a guarantee of what you will be charged, and there may be a difference.
If you have insurance, your benefits will ultimately determine the amount you owe (including deductibles, co-pay, co-insurance, and out-of-pocket maximums). If you proceed with services at Covenant, you may be given a new estimate at registration with more accurate cost and out-of-pocket information.
You may also contact our Financial Counseling department for a detailed estimate.
They can be contacted at (989)583-2959.
Do these prices reflect the total I could be charged?
The prices reflected here represent the hospital costs. Additionally, you could receive separate bills for physician’s fees for your pathologist, surgeon, anesthesia provider, radiologist and other specialists. Some of the healthcare providers who treat you at Covenant Medical Center are independent and are contracted by Covenant to provide their services. Their fees are in addition to the fees on this price list.
What is an inpatient MS-DRG?
MS-DRG stands for Medicare Severity - Diagnosis Related Groups (MS-DRG). Using patients’ diagnoses, surgical procedures, age and other information, patients who have similar clinical characteristics and similar treatment are aligned to a specific MS-DRG.
Is Financial Assistance Available?
Covenant HealthCare is committed to providing extraordinary care regardless of a patient’s ability to pay. Programs are in place to support people who cannot pay their bills from Covenant and may qualify under our Financial Assistance Eligibility Policy. The Financial Assistance program is available for bills from Covenant HealthCare facilities, MedExpress, and Covenant physician offices. Visit our Financial Assistance page for more details and contact information.