CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Iowa Specialty Hospital - Belmond

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $1,331
Cash Discount Price: $2,314
vs. Medicare Baseline: 1.52x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Iowa Specialty Hospital - Belmond is $1,331. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,314. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 1.52x the Medicare baseline. Located in 403 First Street Se, Belmond, IA.

Cash / Self-Pay

$2,314

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,331

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: $2,314 (264%)

Insurance Median: $1,331 (152%)

Cash: $2,314 (264% of Medicare)

Ins. Median: $1,331 (152% 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	$114 - $3,952	13%
Tricare	$114 - $1,331	13%
Triwest Va Choice And Pc3-All Plans	$114 - $1,331	13%
UnitedHealthcare	$114 - $3,640	13%
Healthscope Stellar - All Plans	$189 - $2,196	22%
Health Partners Ish-All Other Plans	$218 - $3,328	25%
Wellmark Hmo	$220 - $2,774	25%
Wellmark Ppo-All Other Plans	$255 - $3,049	29%
Auxiant Clarion Schools-All Plans	$260 - $2,704	30%
Health Partners Prestage	$300 - $3,120	34%
Cigna	$1,242 - $4,035	142%
Midlands Choice-All Plans	$1,242 - $4,035	142%

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 $2,314.
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 Iowa Specialty Hospital - Belmond 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.