CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Fhn Memorial Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $1,121
Cash Discount Price: $1,744
vs. Medicare Baseline: 1.28x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Fhn Memorial Hospital is $1,121. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,744. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 1.28x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$1,744

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,121

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: $1,744 (199%)

Insurance Median: $1,121 (128%)

Cash: $1,744 (199% of Medicare)

Ins. Median: $1,121 (128% 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.

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
Meridian Health Plan - All Plans	$90 - $685	10%
Aetna	$118 - $3,696	13%
Health Alliance Mcr Adv	$119 - $920	14%
Humana	$119 - $5,249	14%
Quartz Mcr Adv	$119 - $920	14%
UnitedHealthcare	$119 - $5,176	14%
Osf Healthplans - All Plans	$166 - $6,636	19%
Quartz - All Other Plans	$184 - $4,314	21%
Northern Il Hp - All Plans	$211 - $4,579	24%
Hfn - All Plans	$260 - $5,442	30%
Blue Cross Blue Shield	$268 - $4,480	31%
Galaxy - All Plans	$275 - $5,973	31%
Health Alliance - All Other Plans	$275 - $5,973	31%
Interplan Health - All Plans	$275 - $5,973	31%
Midland Choice - All Plans	$275 - $6,305	31%
Multiplan Phcs - All Plans	$275 - $5,641	31%
Preferred Plan Ppo - All Plans	$275 - $5,973	31%
Wps - All Plans	$275 - $5,800	31%
Trustmark - All Plans	$282 - $6,105	32%
Ecoh Nihp	$287 - $4,181	33%
The Alliance - All Plans	$315 - $3,978	36%
Ecoh - All Other Plans	$316 - $4,513	36%
Nihp Employ - All Plans	$316 - $4,181	36%
First Health - All Plans	$876 - $4,665	100%
First Choice Il - All Plans	$1,059 - $5,641	121%

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 $1,744.
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 Fhn Memorial 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.