Sleep study (overnight, in lab)
Facility: Memorial Hospital
Billing Code: 95810 (CPT)
- CPT Billing Code: 95810
- Insurance Median: $4,344
- Cash Discount Price: $4,054
- vs. Medicare Baseline: 4.95x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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 495% of the Medicare baseline (a markup of 395%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
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 | $860 - $5,792 | 98% |
| Blue Cross Blue Shield | $860 - $6,718 | 98% |
| Essence Healthcare [221] | $860 | 98% |
| Humana | $860 - $4,293 | 98% |
| UnitedHealthcare | $860 - $5,737 | 98% |
| Cox Health [757] | $903 | 103% |
| Devoted Health Plan [847] | $903 | 103% |
| Medica [662] | $903 | 103% |
| Healthlink [225] | $2,809 - $5,830 | 320% |
| Healthscope Benefits [258] | $3,034 | 346% |
| Cigna | $3,047 - $4,409 | 347% |
| Consociate [478] | $3,128 - $4,170 | 357% |
| Sarah Bush Lincoln [636] | $3,128 - $4,170 | 357% |
| Cox Health Systems Insurance Company [220] | $3,186 - $5,019 | 363% |
| Health Alliance [224] | $3,186 - $4,247 | 363% |
| Allied Benefits [498] | $3,284 - $5,737 | 374% |
| Coresource [497] | $3,284 - $4,378 | 374% |
| Fmh Benefit Service Inc [222] | $3,284 - $4,378 | 374% |
| Mail Handlers [495] | $3,284 - $4,378 | 374% |
| Apwu Health Plan [216] | $3,307 - $4,409 | 377% |
| Nalc Health Benefit Plan [242] | $3,307 - $4,409 | 377% |
| Priority Health [648] | $3,307 - $4,409 | 377% |
| Hope Trust [806] | $3,359 - $4,479 | 383% |
| Med-Pay [480] | $3,765 - $5,792 | 429% |
| Unicare [568] | $3,765 - $5,830 | 429% |
| First Health Commercial [734] | $4,303 - $5,737 | 490% |
| Beechstreet [551] | $4,344 - $5,792 | 495% |
| Detego Health [868] | $4,344 - $5,792 | 495% |
| Health Systems Inc [620] | $4,344 - $5,792 | 495% |
| Healthcare Sol Mercy [609] | $4,344 - $5,792 | 495% |
| Multiplan Commercial [737] | $4,344 - $5,792 | 495% |
| Multiplan [240] | $4,344 - $5,792 | 495% |
| Phcs [244] | $4,344 - $6,178 | 495% |
| Preferred Health Professionals [561] | $4,373 - $5,830 | 498% |
| Hfn [563] | $4,634 - $6,178 | 528% |
| Medica [661] | $4,634 - $6,178 | 528% |