CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: University of Miami Hospital and Clinics

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $5,119
Cash Discount Price: $2,678
vs. Medicare Baseline: 5.83x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at University of Miami Hospital and Clinics is $5,119. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,678. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 5.83x the Medicare baseline. Located in 1475 Nw 12Th Ave Suite 2175, Miami, FL.

Cash / Self-Pay

$2,678

Average discount available for prompt cash payment at this facility.

Insurance Median

$5,119

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: $2,678 (305%)

Insurance Median: $5,119 (583%)

Cash: $2,678 (305% of Medicare)

Ins. Median: $5,119 (583% 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 583% of the Medicare baseline (a markup of 483%). 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	$877 - $5,119	100%
Aetna	$948 - $5,446	108%
Solis Health	$965	110%
Humana	$996	114%
Careplus	$2,480	283%
Sunshine Health	$2,480	283%
Molina Healthcare Of Fl	$2,678	305%
Amerihealth Caritas Fl	$2,778	317%
Oscar Health Of Fl	$2,778	317%
Blue Cross Blue Shield	$2,976 - $4,266	339%
Cigna	$3,581 - $4,315	408%
Curative	$5,258	599%
Avmed	$5,654 - $6,448	644%
Employers Health Network	$5,952	678%
Simply Healthcare	$5,952	678%
First Health	$6,448	735%
Health First New York Health Insurance	$6,448	735%
Broward Health	$6,944	791%
Beech Street	$7,936	905%
Dimension Health	$7,936	905%
Multiplan	$7,936	905%

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 $2,678.
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 University of Miami Hospital and Clinics 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.