CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Cherokee Regional Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $3,985
Cash Discount Price: $3,587
vs. Medicare Baseline: 4.54x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Cherokee Regional Medical Center is $3,985. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,587. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 4.54x the Medicare baseline. Located in 300 Sioux Valley Drive, Cherokee, IA.

Cash / Self-Pay

$3,587

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,985

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: $3,587 (409%)

Insurance Median: $3,985 (454%)

Cash: $3,587 (409% of Medicare)

Ins. Median: $3,985 (454% 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 454% of the Medicare baseline (a markup of 354%). 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
Blue Cross Blue Shield	$2,112 - $3,985	241%
Health Partners	$2,112 - $3,985	241%
Humana	$2,112 - $3,985	241%
Wellpoint	$2,112 - $3,985	241%
Iowa Total Care	$2,192 - $3,985	250%
Molina	$2,192 - $3,985	250%
Admin Concepts	$3,985	454%
Aetna	$3,985	454%
American Republic	$3,985	454%
Apw	$3,985	454%
Auxiant	$3,985	454%
Avera	$3,985	454%
Bankers Life	$3,985	454%
Champus	$3,985	454%
Cigna	$3,985	454%
Liability	$3,985	454%
Meridian	$3,985	454%
Meritain	$3,985	454%
Midlands	$3,985	454%
Mutual Of Omaha	$3,985	454%
Occunet	$3,985	454%
Physicians Mutual	$3,985	454%
Private Healthcare	$3,985	454%
Sanford	$3,985	454%
United American	$3,985	454%
UnitedHealthcare	$3,985	454%

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 $3,587.
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 Cherokee Regional Medical Center 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.