CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: St Luke's McCall

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $4,350
Cash Discount Price: $4,833
vs. Medicare Baseline: 4.96x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at St Luke's McCall is $4,350. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,833. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 4.96x the Medicare baseline. Located in 1000 State Street, McCall, ID.

Cash / Self-Pay

$4,833

Average discount available for prompt cash payment at this facility.

Insurance Median

$4,350

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: $4,833 (551%)

Insurance Median: $4,350 (496%)

Cash: $4,833 (551% of Medicare)

Ins. Median: $4,350 (496% 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 496% of the Medicare baseline (a markup of 396%). 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
Commercial [1028]	$2,803 - $4,640	319%
Medicare (plans)	$2,803 - $2,859	319%
Veterans Affairs [1056]	$2,803	319%
Blue Cross Blue Shield	$2,831 - $4,253	323%
Aetna	$3,083 - $4,591	351%
Moda [1055]	$4,253	485%
Cigna	$4,495	512%
Providence [1022]	$4,495	512%
Pacificsource [1020]	$4,543	518%
First Health [1064]	$4,591	523%
Webtpa [1071]	$4,591	523%
Geha [1065]	$4,640	529%
United Medical Resources [1051]	$4,640	529%
UnitedHealthcare	$4,640	529%

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 $4,833.
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 St Luke's McCall 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.