Total cholesterol test cost in Saginaw, MI
In Saginaw, MI, 2 hospitals list a cash price for total cholesterol blood test: from $7.00 to $10.27, with a median of $8.64. The lowest listed price is at Covenant Medical Center — $1.64 less than the median here. Across Michigan, the median is $19.75 at 92 hospitals.
Cash prices at 2 facilities across 2 cities for code 82465, as an outpatient — the setting a self-pay patient normally buys. Collected Sep 27, 2026; the hospital files themselves were last updated between May 15, 2026 and May 15, 2026.
Where each hospital's price falls
Each dot is one hospital's cash price on a scale from the lowest to the highest in Saginaw, MI.
Hospitals, cheapest first
| Hospital | Cash price | List price | Insurers pay | Off list | File date |
|---|---|---|---|---|---|
| Covenant Medical Center lowest Saginaw, MI · (989) 583-6000 Cholesterol Serum/Whole Blood Total | $7.00 | $10.00 | $0.98–$9.00 | 30% | May 15, 2026 source file |
| Covenant Medical Center Saginaw, MI · (989) 583-6000 HCHG LIPOPROTEIN PHENOTYPING (ELECTROPHORESIS) 82465 | $10.27 | $14.67 | $2.25–$13.20 | 30% | May 15, 2026 source file |
| Covenant Medical Center Cooper Saginaw, MI · (989) 583-6000 HCHG LIPOPROTEIN PHENOTYPING (ELECTROPHORESIS) 82465 | $10.27 | $14.67 | $2.25–$13.20 | 30% | May 15, 2026 source file |
| Covenant Medical Center Saginaw, MI · (989) 583-6000 HCHG CHOLESTEROL | $34.30 | $49.00 | $2.25–$44.10 | 30% | May 15, 2026 source file |
| Covenant Medical Center Cooper Saginaw, MI · (989) 583-6000 HCHG CHOLESTEROL | $34.30 | $49.00 | $2.25–$44.10 | 30% | May 15, 2026 source file |
Outpatient: lowest $7.00, median $8.64, highest $10.27 — a 1.5× difference within the same market.
As an inpatient, the same code is billed by 2 facilities here, median $8.64. Inpatient and outpatient prices are not comparable and are kept on separate pages: the inpatient charge covers admission, not the same purchase.
Cash or insurance?
At 2 of 2 hospitals that publish insurer rates for this code here, the cash price is below the highest rate a health plan has negotiated, and at none is it below every plan's rate. If you have insurance but have not met your deductible, you usually pay your plan's negotiated rate, which falls somewhere in the "Insurers pay" column. Paying cash can cost less, but a cash payment usually does not count toward your deductible. Ask the hospital for both numbers before you book.
What it is
A total cholesterol test measures all the cholesterol in the blood. It is part of a lipid panel, which also gives HDL, LDL and triglycerides.
What the price covers
The price usually covers running the test. The blood draw (36415) is often billed as a separate line.
2 rows held back from this comparison
They are priced below $1 or below a tenth of the national median for code 82465 ($38.78). Such a line is almost always a physician's fee billed separately, an assistant's share or a placeholder — a real charge, but not the price of the procedure itself.
| Covenant Medical Center Saginaw, MIHCHG ASCVD RISK PANEL WITH SCORE 82465 | $3.78 | file |
| Covenant Medical Center Cooper Saginaw, MIHCHG ASCVD RISK PANEL WITH SCORE 82465 | $3.78 | file |