CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Myrtue Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $2,145
Cash Discount Price: $2,621
vs. Medicare Baseline: 2.44x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Myrtue Medical Center is $2,145. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,621. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 2.44x the Medicare baseline. Located in 1213 Garfield Avenue, Harlan, IA.

Cash / Self-Pay

$2,621

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,145

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: $2,621 (299%)

Insurance Median: $2,145 (244%)

Cash: $2,621 (299% of Medicare)

Ins. Median: $2,145 (244% 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 244% of the Medicare baseline (a markup of 144%). 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
Wellmark Hmo	$1,115	127%
Wellmark Ppo - All Other Plans	$1,227	140%
Coventry Mcr - All Plans	$2,079	237%
UnitedHealthcare	$2,079 - $4,293	237%
Iowa Total Care Mcaid - All Plans	$2,145	244%
Amerigroup Mcaid - All Plans	$2,188	249%
Midlands Choice-All Plans	$3,977	453%
Aetna	$4,293	489%

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 $2,621.
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 Myrtue 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.