CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: HCA Florida St Petersburg Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $2,717
Cash Discount Price: $16,565
vs. Medicare Baseline: 3.10x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at HCA Florida St Petersburg Hospital is $2,717. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $16,565. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 3.10x the Medicare baseline. Located in 6500 38Th Ave N, Saint Petersburg, FL.

Cash / Self-Pay

$16,565

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,717

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: $16,565 (1888%)

Insurance Median: $2,717 (310%)

Cash: $16,565 (1888% of Medicare)

Ins. Median: $2,717 (310% 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 310% of the Medicare baseline (a markup of 210%). 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
Corvel Corporation	$493 - $5,413	56%
Rockport Healthcare Group	$493 - $5,413	56%
Prime Health	$503 - $5,526	57%
Access 2 Healthcare Physicians Freedom Optimum Group Members	$779	89%
Access 2 Healthcare Physicians Freedom Health	$1,193	136%
Access 2 Healthcare Physicians Optimum	$1,193	136%
Freedom Health Care	$1,292	147%
Optimum Healthcare	$1,292	147%
Avmed	$1,325 - $4,141	151%
Suncoast Neighborly Care	$1,325	151%
Blue Cross Blue Shield	$1,358 - $3,462	155%
Truli	$1,358 - $2,021	155%
United	$1,886 - $7,454	215%
Simply Healthcare	$2,104 - $2,551	240%
Oscar	$2,485	283%
Cigna	$2,982	340%
Molina	$3,147 - $4,473	359%
Evolutions Healthcare Systems	$3,810 - $15,240	434%
Sunshine State Health Plan	$4,224	481%
Humana	$4,638	529%
Aetna	$4,969	566%
Plotkin Health	$8,282	944%
Prime Health Sheriff	$8,282	944%
Multiplan	$12,424 - $14,080	1416%

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 $16,565.
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 HCA Florida St Petersburg 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.