CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Sterling Regional Medcenter

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $3,857
Cash Discount Price: $2,510
vs. Medicare Baseline: 4.40x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Sterling Regional Medcenter is $3,857. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,510. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 4.40x the Medicare baseline. Located in 615 Fairhurst St, Sterling, CO.

Cash / Self-Pay

$2,510

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,857

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: $2,510 (286%)

Insurance Median: $3,857 (440%)

Cash: $2,510 (286% of Medicare)

Ins. Median: $3,857 (440% 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 440% of the Medicare baseline (a markup of 340%). 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
Clear Spring Health	$1,022	116%
UnitedHealthcare	$1,022 - $4,640	116%
Longevity	$1,053	120%
Humana	$1,084	124%
Devoted Health Services	$1,125	128%
Aetna	$1,366 - $4,552	156%
Banner Health	$1,517	173%
Blue Cross Blue Shield	$1,517 - $3,973	173%
Healthspring Life & Health Insurance Company, Inc.	$1,517	173%
Medica	$1,517 - $4,078	173%
Medicare (plans)	$1,517	173%
Pinnacol Assurance Workers Comp	$1,603 - $2,379	183%
Assist Health Group	$1,821	208%
Denver Health Medical Plan	$2,964	338%
Apostrophe, Inc.	$4,406	502%
First Choice Health Network	$4,406	502%
First Choice Of The Midwest	$4,650	530%
Hue Health, Inc	$4,650	530%
Rocky Mountain Health Plans	$4,650	530%
Multiplan	$4,748	541%

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 $2,510.
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 Sterling Regional Medcenter 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.