CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Loma Linda University Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $1,939
Cash Discount Price: $2,816
vs. Medicare Baseline: 2.21x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Loma Linda University Medical Center is $1,939. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,816. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 2.21x the Medicare baseline. Located in 11234 Anderson St, Loma Linda, CA.

Cash / Self-Pay

$2,816

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,939

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: $2,816 (321%)

Insurance Median: $1,939 (221%)

Cash: $2,816 (321% of Medicare)

Ins. Median: $1,939 (221% 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 221% of the Medicare baseline (a markup of 121%). 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
UnitedHealthcare	$558 - $1,293	64%
Inland Empire Health Plan (Iehp)	$599 - $1,293	68%
Kaiser Foundation Hospitals	$661 - $4,174	75%
Adventist Health	$1,252 - $1,293	143%
Lluh Dept Of Risk Management	$1,252	143%
Alpha Care Medical Group	$1,293 - $1,939	147%
Dignity Health	$1,293 - $1,939	147%
Epic Health Plan	$1,293 - $2,503	147%
Upland Medical Group	$1,293	147%
Vantage Medical Group	$1,293 - $1,939	147%
Prime Health Services	$1,370 - $5,319	156%
Blue Cross Blue Shield	$1,372 - $3,675	156%
Riverside University Health System	$1,422	162%
Molina Healthcare Of Ca	$1,732	197%
Heritage Provider Network	$2,120	242%
Blue Shield Of California	$2,484 - $3,799	283%
Global Benefits Group	$3,755	428%
Temecula Valley Physicians Medical Group	$3,755	428%
Trivalley Medical Group	$3,755	428%
Aetna	$3,800	433%
Cigna	$4,005 - $4,631	456%
Networks By Design	$4,068	464%
Multiplan	$4,694	535%
Central Health Plan	$5,006	571%
Galaxy Health	$5,319	606%
Health Management Network	$5,632	642%

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 $2,816.
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 Loma Linda University 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.