CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Rush University Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $2,854
Cash Discount Price: $3,030
vs. Medicare Baseline: 3.25x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Rush University Medical Center is $2,854. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,030. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 3.25x the Medicare baseline. Located in 1653 West Congress Parkway, Chicago, IL.

Cash / Self-Pay

$3,030

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,854

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: $3,030 (345%)

Insurance Median: $2,854 (325%)

Cash: $3,030 (345% of Medicare)

Ins. Median: $2,854 (325% 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 325% of the Medicare baseline (a markup of 225%). 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	$443 - $6,060	50%
Aetna	$948 - $6,060	108%
Molina Fide-Snp	$957	109%
Meridian Dnsp	$966	110%
County Care Mcaid - All Plans	$992	113%
Meridian Mcaid - All Other Plans	$992	113%
Molina Mcaid	$1,052	120%
Cigna	$1,106 - $6,060	126%
Ambetter / Centene	$1,242	142%
Molina Exch - All Other Plans	$1,252	143%
UnitedHealthcare	$3,430 - $8,181	391%
Devoted Mcr Adv - All Plans	$6,060	691%
Humana	$6,060	691%
Wellcare Mcr Adv - All Plans	$6,060	691%
Zing Hlth Mcr Adv - All Plans	$6,424	732%

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 $3,030.
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 Rush University 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.