CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Kirby Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $647
Cash Discount Price: $3,983
vs. Medicare Baseline: 0.74x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Kirby Medical Center is $647. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,983. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 0.74x the Medicare baseline. Located in 1000 Medical Center Drive, Monticello, IL.

Cash / Self-Pay

$3,983

Average discount available for prompt cash payment at this facility.

Insurance Median

$647

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: $3,983 (454%)

Insurance Median: $647 (74%)

Cash: $3,983 (454% of Medicare)

Ins. Median: $647 (74% 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
Blue Cross Blue Shield	$95 - $6,505	11%
UnitedHealthcare	$116 - $4,574	13%
Aetna	$119 - $4,647	14%
Meridian	$119 - $2,058	14%
Wellcare	$119 - $2,058	14%
Molina	$122 - $2,120	14%
Zelis (Hfn)	$148 - $5,974	17%
Catepillar, Inc.	$160 - $5,642	18%
Humana	$628 - $4,978	72%
Healthlink	$1,432 - $5,974	163%
Multiplan/Phcs	$1,432 - $6,306	163%
Cigna	$5,310	605%

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 $3,983.
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 Kirby 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.