CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Floyd Cherokee Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $1,033
Cash Discount Price: $3,332
vs. Medicare Baseline: 1.18x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Floyd Cherokee Medical Center is $1,033. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,332. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 1.18x the Medicare baseline. Located in 400 Northwood Dr, Centre, AL.

Cash / Self-Pay

$3,332

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,033

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$877.34

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $877.34 (100%)

Cash / Self-Pay: $3,332 (380%)

Insurance Median: $1,033 (118%)

Cash: $3,332 (380% of Medicare)

Ins. Median: $1,033 (118% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $877.34 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
Cigna	$903 - $1,003	103%
Blue Cross Blue Shield	$973	111%
Aetna	$1,003 - $2,998	114%
Humana	$1,003	114%
UnitedHealthcare	$1,003	114%
Viva Healthcare	$1,003 - $1,756	114%
Wellcare	$1,023	117%
Clover	$1,033	118%
Peach State Health Plan	$1,137	130%
Alliant Health Plans	$1,505 - $2,665	172%
Ambetter / Centene	$1,505	172%
Multiplan	$3,998	456%

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 $3,332.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 95810.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Floyd Cherokee Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 95810.
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.