CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Norton Clark Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $2,446
Cash Discount Price: $1,088
vs. Medicare Baseline: 2.79x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Norton Clark Hospital is $2,446. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,088. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 2.79x the Medicare baseline. Located in 1220 Missouri Ave, Jeffersonville, IN.

Cash / Self-Pay

$1,088

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,446

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: $1,088 (124%)

Insurance Median: $2,446 (279%)

Cash: $1,088 (124% of Medicare)

Ins. Median: $2,446 (279% 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 279% of the Medicare baseline (a markup of 179%). 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	$913 - $4,395	104%
Caresource Indiana Healthy Indiana Plan (Hip)	$913	104%
Humana	$913	104%
Managed Health Services (Mhs) Hoosier Care Connect	$913	104%
Managed Health Services (Mhs) Hoosier Healthwise (Hhw)	$913	104%
Caresource Indiana Hoosier Healthwise (Hhw)	$940	107%
UnitedHealthcare	$940 - $3,882	107%
Mdwise Hoosier Healthwise (Hhw)	$958	109%
Molina Healthcare Of Indiana	$968 - $1,098	110%
Managed Health Services (Mhs) Healthy Indiana Plan (Hip)	$1,066	122%
Mdwise Health Indiana Plan (Hip)	$1,066	122%
Aetna	$1,098 - $4,511	125%
Communicare Advantage	$1,098	125%
Managed Health Services (Mhs)	$1,119 - $1,545	128%
Cigna	$2,449 - $3,887	279%
Ppom	$5,258 - $8,346	599%

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 $1,088.
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 Norton Clark 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.