CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Baptist Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $1,026
Cash Discount Price: Unavailable
vs. Medicare Baseline: 1.17x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Baptist Hospital is $1,026. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is unavailable. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 1.17x the Medicare baseline. Located in 123 Baptist Way, Pensacola, FL.

Cash / Self-Pay

Unavailable

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,026

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%)

Insurance Median: $1,026 (117%)

Ins. Median: $1,026 (117% 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
Aetna	$492 - $1,072	56%
Cha Health Plan	$492	56%
UnitedHealthcare	$492 - $1,026	56%
Humana	$517 - $1,042	59%
Mh Sunshine Mcaid	$517	59%
Staywell	$517	59%
Sunshine Health	$517	59%
Fl Community Care Ltc	$527	60%
Simply Healthcare Healthy Kids	$566	65%
Hospice Covenant	$1,021	116%
Medicare (plans)	$1,021	116%
Healthspring Of Fl Al	$1,052	120%
Mh Wellcare	$1,072	122%
Wellcare	$1,072	122%
Fl Blue	$1,532	175%
Wc Corvel	$2,421	276%

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 $X.
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 Baptist Hospital 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.