CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Northwestern Medicine Delnor Community Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $4,027
Cash Discount Price: $4,389
vs. Medicare Baseline: 4.59x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Northwestern Medicine Delnor Community Hospital is $4,027. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,389. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 4.59x the Medicare baseline. Located in 300 Randall Rd, Geneva, IL.

Cash / Self-Pay

$4,389

Average discount available for prompt cash payment at this facility.

Insurance Median

$4,027

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: $4,389 (500%)

Insurance Median: $4,027 (459%)

Cash: $4,389 (500% of Medicare)

Ins. Median: $4,027 (459% 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 459% of the Medicare baseline (a markup of 359%). 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	$934 - $4,371	106%
Aetna	$1,022 - $4,383	116%
Cigna	$1,367 - $5,016	156%
Carelon Behavioral Health [159]	$3,135	357%
Health'S Finest Network [126]	$3,135 - $5,330	357%
Healthlink [125]	$3,950	450%
First Health Plan [6034]	$4,000 - $4,326	456%
The Alliance [1703]	$4,027	459%
Multiplan/Phcs [142]	$4,702 - $6,270	536%
Compsych [112]	$5,016	572%
Beechstreet [176]	$5,643	643%
UnitedHealthcare	$6,270	715%

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 $4,389.
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 Medicine Delnor Community 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.