CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Montrose Regional Health

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $580
Cash Discount Price: $1,922
vs. Medicare Baseline: 0.66x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Montrose Regional Health is $580. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,922. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 0.66x the Medicare baseline. Located in 800 S 3Rd St, Montrose, CO.

Cash / Self-Pay

$1,922

Average discount available for prompt cash payment at this facility.

Insurance Median

$580

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: $1,922 (219%)

Insurance Median: $580 (66%)

Cash: $1,922 (219% of Medicare)

Ins. Median: $580 (66% 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
Blue Cross Blue Shield	$122 - $4,417	14%
Humana	$122 - $4,464	14%
Medicare (plans)	$122 - $970	14%
Sloans Lake Managed Care-All Plans	$137 - $4,476	16%
Montrose Community Healthplan-All Plans	$171 - $3,994	19%
United Rocky Mountain Chp-All Other Plans	$201 - $2,021	23%
United Rocky Mountain Private Plan	$204 - $4,347	23%
United Rocky Mountain Self Insured	$204 - $4,464	23%
UnitedHealthcare	$237 - $4,464	27%
Three Rivers-All Plans	$384 - $4,464	44%
Western Healthcare Alliance-All Plans	$384 - $4,229	44%
Cigna	$406 - $4,464	46%
Multiplan-All Plans	$406 - $4,464	46%
Uchpa - All Plans	$406 - $4,464	46%
United Rocky Mountain Mcaid	$427 - $733	49%

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 $1,922.
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 Montrose Regional Health 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.