CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Santa Clara Valley Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $196
Cash Discount Price: $5,845
vs. Medicare Baseline: 0.22x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Santa Clara Valley Medical Center is $196. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $5,845. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 0.22x the Medicare baseline. Located in 751 South Bascom Avenue, San Jose, CA.

Cash / Self-Pay

$5,845

Average discount available for prompt cash payment at this facility.

Insurance Median

$196

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: $5,845 (666%)

Insurance Median: $196 (22%)

Cash: $5,845 (666% of Medicare)

Ins. Median: $196 (22% 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
Healthnet	$135	15%
Onlok	$135	15%
Santa Clara Family Health Plan	$135 - $637	15%
UnitedHealthcare	$162	18%
Phcs-Multiplan	$196	22%
Aetna	$1,039	118%
Cigna	$1,126	128%
Blue Cross Blue Shield	$1,343	153%

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 $5,845.
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 Santa Clara Valley 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.