CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: HCA Florida Gulf Coast Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $879
Cash Discount Price: $2,210
vs. Medicare Baseline: 1.00x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at HCA Florida Gulf Coast Hospital is $879. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,210. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 1.00x the Medicare baseline. Located in 449 W 23Rd St, Panama City, FL.

Cash / Self-Pay

$2,210

Average discount available for prompt cash payment at this facility.

Insurance Median

$879

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: $2,210 (252%)

Insurance Median: $879 (100%)

Cash: $2,210 (252% of Medicare)

Ins. Median: $879 (100% 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
Oscar	$287	33%
Simply	$340	39%
Simply Healthcare	$369	42%
Cigna	$385 - $917	44%
Molina Healthcare	$420 - $707	48%
Corvel Corporation	$493 - $4,967	56%
Prime Health	$503 - $5,072	57%
Careworks (Rockport Community)	$519 - $5,229	59%
Avmed	$530 - $1,105	60%
United	$537 - $2,064	61%
Sunshine State Health Plan	$564	64%
Aetna	$663	76%
Humana	$840	96%
Plotkin Health	$1,105	126%
Prime Health Sheriff	$1,105	126%
Multiplan	$1,724 - $1,879	197%
Ppo Next	$1,879	214%
Novanet	$1,989	227%

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 $2,210.
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 Gulf Coast 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.