CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Memorial Hospital and Health Care Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $568
Cash Discount Price: $788
vs. Medicare Baseline: 0.65x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Memorial Hospital and Health Care Center is $568. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $788. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 0.65x the Medicare baseline. Located in 800 W 9Th St, Jasper, IN.

Cash / Self-Pay

$788

Average discount available for prompt cash payment at this facility.

Insurance Median

$568

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: $788 (90%)

Insurance Median: $568 (65%)

Cash: $788 (90% of Medicare)

Ins. Median: $568 (65% 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	$90 - $1,066	10%
Aetna	$109 - $1,085	12%
Caresource In Marketplace	$109 - $1,332	12%
Humana	$109 - $1,066	12%
Tricare	$109 - $906	12%
Mdwise	$110 - $913	13%
Mhs Hoosier Care Connect	$110 - $913	13%
Immergrun	$130 - $677	15%
Ambetter / Centene	$141 - $1,386	16%
Patoka Valley	$159 - $744	18%
Onecare	$163 - $733	19%
Siho	$163 - $846	19%
Chamber Care	$168	19%
Noncontracted	$174 - $1,705	20%
Cigna	$210 - $1,085	24%
Encore	$210 - $890	24%
Encore Elite +	$210 - $2,558	24%
Sagamore	$210 - $1,085	24%
UnitedHealthcare	$222 - $3,197	25%

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 $788.
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 Memorial Hospital and Health Care 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.