CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Northwestern Lake Forest Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $3,165
Cash Discount Price: $4,558
vs. Medicare Baseline: 3.61x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Northwestern Lake Forest Hospital is $3,165. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,558. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 3.61x the Medicare baseline. Located in 1000 N Westmoreland Road, Lake Forest, IL.

Cash / Self-Pay

$4,558

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,165

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: $4,558 (520%)

Insurance Median: $3,165 (361%)

Cash: $4,558 (520% of Medicare)

Ins. Median: $3,165 (361% 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 361% of the Medicare baseline (a markup of 261%). 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
Aetna	$1,081 - $2,963	123%
Cigna	$1,368 - $3,165	156%
Blue Cross Blue Shield	$1,380 - $6,512	157%
Healthlink [125]	$3,256	371%
Health'S Finest Network [126]	$4,161 - $5,861	474%
The Alliance [1703]	$4,183	477%
Beechstreet [176]	$5,210	594%
Multiplan/Phcs [142]	$5,210 - $6,512	594%
First Health Plan [6034]	$5,340	609%
UnitedHealthcare	$6,512	742%

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 $4,558.
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 Northwestern Lake Forest 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.