CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Sharp Chula Vista Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $4,708
Cash Discount Price: $5,535
vs. Medicare Baseline: 5.37x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Sharp Chula Vista Medical Center is $4,708. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $5,535. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 5.37x the Medicare baseline. Located in 751 Medical Center Court, Chula Vista, CA.

Cash / Self-Pay

$5,535

Average discount available for prompt cash payment at this facility.

Insurance Median

$4,708

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: $5,535 (631%)

Insurance Median: $4,708 (537%)

Cash: $5,535 (631% of Medicare)

Ins. Median: $4,708 (537% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 537% of the Medicare baseline (a markup of 437%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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
Aetna	$2,066 - $5,092	235%
Humana	$2,066 - $4,059	235%
Health Net	$2,192 - $7,232	250%
California Health And Wellness	$2,214	252%
Cigna	$2,251 - $7,232	257%
Medicare (plans)	$2,251	257%
UnitedHealthcare	$2,251 - $5,535	257%
Epic Americas	$3,536	403%
Community Health Group	$4,059 - $5,166	463%
Molina	$4,059 - $5,904	463%
Blue Cross Blue Shield	$4,170 - $7,232	475%
Blue Shield	$4,170 - $5,166	475%
Indian Health Council	$4,612 - $5,904	526%
Managed Health Network	$4,708 - $5,535	537%
San Diego Pace	$4,708	537%
Allianz Global Assistance	$4,896	558%
Kaiser	$5,683	648%
Medi-Cal	$5,904	673%
Multiplan	$9,303	1060%

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 $5,535.
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 Sharp Chula Vista 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.