CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Memorial Hospital, The

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $4,392
Cash Discount Price: $3,354
vs. Medicare Baseline: 5.01x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Memorial Hospital, The is $4,392. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,354. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 5.01x the Medicare baseline. Located in 750 Hospital Loop, Craig, CO.

Cash / Self-Pay

$3,354

Average discount available for prompt cash payment at this facility.

Insurance Median

$4,392

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: $3,354 (382%)

Insurance Median: $4,392 (501%)

Cash: $3,354 (382% of Medicare)

Ins. Median: $4,392 (501% 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 501% of the Medicare baseline (a markup of 401%). 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	$1,909 - $5,161	218%
Blue Cross Blue Shield	$1,909 - $5,161	218%
Care Advantage	$1,909 - $5,161	218%
Cvs Caremark-Part D	$1,909 - $5,161	218%
Denver Health	$1,909 - $5,161	218%
Humana	$1,909 - $5,161	218%
Kaiser	$1,909 - $5,161	218%
Rmhp Dualcare	$1,909 - $5,161	218%
Golden Rule Ins	$4,386	500%
UnitedHealthcare	$4,386 - $5,161	500%
Allegiance	$4,392	501%
Cigna	$4,392	501%
Geha	$4,392	501%
Great West Hlthcare	$4,392	501%
Health Partners	$4,392	501%
Multiplan Inc Ppo	$4,748 - $4,903	541%
First Health Other	$4,903	559%

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 $3,354.
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 Memorial Hospital, The 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.