CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Loring Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $3,131
Cash Discount Price: $3,296
vs. Medicare Baseline: 3.57x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Loring Hospital is $3,131. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,296. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 3.57x the Medicare baseline. Located in 211 Highland Avenue Po Box 217, Sac City, IA.

Cash / Self-Pay

$3,296

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,131

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: $3,296 (376%)

Insurance Median: $3,131 (357%)

Cash: $3,296 (376% of Medicare)

Ins. Median: $3,131 (357% 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 357% of the Medicare baseline (a markup of 257%). 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
Meritain	$824	94%
Bas	$1,236	141%
Aetna	$1,566 - $4,120	178%
Auxiant	$2,060	235%
Blue_Cross	$2,472 - $4,120	282%
Champva	$2,472	282%
Health_Partners	$2,472	282%
Admin_Concepts	$2,637	301%
UnitedHealthcare	$2,884 - $4,120	329%
Va	$3,090	352%
Champus	$3,131	357%
Humana	$3,626 - $4,120	413%
Healthscope	$3,708	423%
Midlands_Choice	$3,873	441%
Cigna	$3,955	451%

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 $3,296.
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 Loring 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.