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CMS Price Transparency Data Hospital file updated: 2026-03-30

Sleep study (overnight, in lab)

Facility: Fishermen's Community Hospital

Billing Code: 95810 (CPT)

Pillar 1 · The BaseRate™ CompositeHow 1.00× Fair BaseRate Works: Raw price averages unfairly penalize hospitals in high-wage cities or trauma centers treating sicker patients. We adjust for local CMS hospital wage levels and patient complexity first. A 1.00× score means right at the fair price average, 0.85× means 15% cheaper than fair market, and 1.30× means 30% above fair market.Above Fair Market · Negotiate
$435Fair BaseRate (1.14× Market)
Position vs. 1.00× Fair Price+14% Above Fair Price 1.00× (center of the bar) is the U.S. fair price average after accounting for local hospital wages and patient complexity. Left of center (<1.00×) is below fair price; right of center (>1.00×) is above fair price.

This hospital's typical commercial price is $497 compared to the $435 fair price benchmark.

Pillar 2 · VeriRate™ Data TrustHow VeriRate™ (0–100) Works: Hospitals are legally required to publish machine-readable price files, but some bury fake $0.01 numbers or omit cash discounts. VeriRate audits each file across 5 checks (hover any badge below to see what it tests).86/100 · Verified
86/100Hover Any Check Below to See How Prices Were Audited
File Completeness90Provenance (File Completeness): Checks whether the hospital published a complete, up-to-date machine-readable price file with valid CPT and MS-DRG billing codes instead of leaving blanks.
Price Logic88Coherence (Price Logic): Checks whether the hospital’s numbers make basic sense — e.g., self-pay cash price is lower than gross list price, with no fake $0.01 or $999,999 placeholder numbers.
Peer Alignment86Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing83Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount84Cash Honesty (Real Cash Discount): Checks whether the hospital offers a genuine self-pay cash discount that beats or matches commercial insurance rates instead of billing full sticker price.
Pillar 3 · Clinical Quality & ER SpeedChecks whether higher hospital prices actually buy better clinical quality — combining CMS Star Ratings, hospital safety scores, and emergency room wait times.Regional Quality Benchmark
CMS Star RatingNot RatedOfficial CMS Overall Hospital Quality Star Rating (1 to 5 stars) summarizing mortality, safety of care, readmissions, and patient experience.
Safety ScoreNot ScoredComposite patient safety score (0–100) derived from CMS hospital-acquired infection rates (CLABSI, CAUTI, MRSA, C. diff), surgical complications, and HCAHPS surveys.
Typical ER WaitNo ER DataMedian minutes patients spent in the emergency department before leaving from the visit, as reported to CMS Timely and Effective Care.

Balances commercial hospital prices against CMS clinical safety, infection control, and patient experience.

The BaseRate · fair price medium confidence
A fair price for this
$435
about 0.5× the $877 Medicare rate · typically $215–$1,461
modeled estimate · not a bill or quote
What this hospital charges insurers
$497
About the fair price
about $62 over the fair price · 0.6× Medicare
Medicare pays $877 Fair price $435 This hospital $497 Cash price $4,228 Hospital's list price $6,505

How we calculate the fair BaseRate →

How this hospital compares to other FL hospitals

One of the lower prices — 6 of 8 other FL hospitals charge more for the same procedure.

Cheapest $431 Priciest $675

Black dot = this hospital, among the 9 FL hospitals with a price for this procedure. Full list below.

Note: The cash price looks unusually high next to the insurance price — it may be the full list price, not a real cash discount. Call to confirm the self-pay rate.

A fair price for a Sleep study (overnight, in lab) is about $435 (about 0.5× the $877 Medicare rate). Fishermen's Community Hospital charges insurers about $497, or about $4,228 in cash — about the fair price. Located in Marathon, FL.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

5 of 6 major insurers have a published price at this hospital

UnitedHealthcareBlue Cross Blue ShieldAetnaCignaHumana Kaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company Price range vs. Medicare
UnitedHealthcaremajor $471 - $6,505 54%
Blue Cross Blue Shieldmajor $1,086 - $6,505 124%
Aetnamajor $509 - $4,983 58%
Cignamajor $1,557 - $5,204 177%
Humanamajor $1,489 170%
Amerigroup $471 54%
AmeriHealth $4,879 556%
AvMed $1,503 - $5,386 171%
Medica $1,366 156%
WellCare $495 56%
+ 8 smaller / regional plans $500 - $5,854
Government programs also on file: Medicare, Medicaid.
Excludes 1 rental-network / third-party entry (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

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Facility Profile & Credentials

  • Address: 3301 Overseas Hwy, Marathon, FL 33050
  • CMS Rating: No CMS Rating
  • Ownership Type: Voluntary non-profit - Private
  • Hospital Type: Critical Access Hospitals

Other Procedures at Fishermen's Community Hospital

Compare: Sleep study (overnight, in lab) at other FL hospitals

Insurance negotiated median for the same procedure, sorted lowest first.

Inline Bill X-Ray & 501(r) Calculator 501(c)(3) Nonprofit · Free Care ≤200% FPL · AGB Cap 36.3%

Audit a Bill or Quote at Fishermen's Community Hospital (Zero PHI Required)

CMS CCN: 101312
CPT 95810
Fair BaseRate™ $435
Medicare Rate $877
Self-Pay Cash $4,228
Insurer Median $497
Pre-filled with Fishermen's Community Hospital’s charged/list benchmark
Screened against 2026 HHS Federal Poverty Guidelines
2026 FPL: $15,650 + $5,500 per additional person
Step 1 · 501(r) Charity Care Check 501(r) AGB Cap: $2,361 (274% FPL)

Statutory 501(r) AGB Cap Limits Bill to $2,361

At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (36.3% of gross = $2,361).

Step 2 · Cash vs. Insurance Arbitrage Save $2,277 Paying Cash

Self-Pay Cash Rate ($4,228) Beats Your Bill

Fishermen's Community Hospital's published 45 CFR § 180 self-pay cash rate is $4,228 (vs. $497 commercial insurer median). Ask billing to reclassify the visit to prompt-pay self-pay if it beats your deductible.

Step 3 · Fair BaseRate Target +$6,070 Above Fair BaseRate

Negotiate Toward $435 Fair BaseRate ($877 Medicare)

Your bill ($6,505) is $6,070 above the denoised Fair BaseRate ($435) and 7.4× the $877 Medicare rate.

1-Click Factual Dispute Summary: Copy a citation-backed benchmark memo (with CMS CCN, CPT code, Medicare reference, Fair BaseRate, and 26 U.S.C. § 501(r) calculations) to paste into patient-portal messages or billing appeals.
Care-Setting Arbitrage, Bilateral SVD Insurer Leverage & Regional Alternatives

How to Pay Less Nearby: Freestanding Centers, Insurer Leverage & Outpatient Savings

45 CFR § 180 Primary-Source Lineage & Federal Verification Verified CMS CCN 101312

Verify the Raw Data: Official Hospital MRF, CMS Medicare.gov & Federal Filings

MRF Portal Indexed (821682066_fishermens-health-inc_standardcharges.zip!821682066_fishermens-health-inc_standardcharges.csv) Verify on CMS Medicare.gov (CCN 101312) ↗ CMS HCRIS Cost Reports ↗
Published MRF File821682066_fishermens-health-inc_standardcharges.zip!821682066_fishermens-health-inc_standardcharges.csv
Publication / Vintage2026-03-30 · 23.52 MB
Validated Rate Rows5,075,965 (CMS v3.0.0)
File Integrity Digestfe06ecc5d3585b44dbf1…

Safe-Harbor Data Corrections: Parsed directly from public 45 CFR § 180 hospital filings, CMS Care Compare, and CMS HCRIS cost reports. Hospital compliance officers may submit updated MRF URLs or rate tables for verification.

Submit MRF Update Correction Policy