Sleep study (overnight, in lab)
Facility: St. Catherine Hospital - Garden City
Billing Code: 95810 (CPT)
- CPT Billing Code: 95810
- Insurance Median: $1,568
- Cash Discount Price: $2,826
- vs. Medicare Baseline: 1.79x 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.
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 |
|---|---|---|
| Kaiser | $439 - $3,087 | 50% |
| Humana | $439 - $511 | 50% |
| Kansas Health | $439 | 50% |
| UnitedHealthcare | $439 - $6,499 | 50% |
| Aetna | $439 - $2,461 | 50% |
| Medicare (plans) | $439 - $511 | 50% |
| Cigna | $439 - $2,122 | 50% |
| Blue Cross Blue Shield | $439 - $3,436 | 50% |
| Innovage | $511 | 58% |
| Devoted Health | $511 | 58% |
| Centura Employee Plan | $785 | 89% |
| Direct To Employer | $1,016 - $4,482 | 116% |
| Peak Health | $1,363 - $4,370 | 155% |
| Multiplan | $1,568 - $9,524 | 179% |
| Wpaa | $2,047 | 233% |
| Christian Health Aid | $2,340 | 267% |
| Denver Health | $2,644 | 301% |
| Health Partners Of Kansas | $2,837 | 323% |
| United Colorado Doctor'S Plan | $4,202 | 479% |
Consumer Guidance & Cost Commentary
For the sleep study procedure (CPT 95810) at St. Catherine Hospital in Garden City, KS, the facility's cash median rate of $2,826 is significantly higher than the state average of $1,568. While commercial insurance plans like Kaiser and Humana negotiate rates starting as low as $439, these figures represent the maximum allowed amounts rather than the actual cost to the patient. Patients with high-deductible plans may find that paying the cash price directly is more economical than relying on insurance, as the negotiated rates often exceed the cash price due to administrative overhead and contract structures. It is crucial to verify your specific plan's deductible status before scheduling, as paying out-of-pocket could result in a lower total cost if your insurance allowed amount is higher than the cash rate.
When reviewing your final invoice, always request a detailed itemized bill rather than accepting a summary statement, as over 80% of hospital bills contain errors such as unbundled codes or services not rendered. Although the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, it is essential to dispute any unexpected charges in writing if you believe they are incorrect. Additionally, patients should proactively ask about "prompt-pay" discounts, which can reduce the total bill by 20% to 50% if paid in full upfront, bypassing the costly claims processing cycle that inflates insurance payments. Comparing your facility's rates to the Medicare benchmark of $877.34 reveals a significant markup, highlighting the importance of understanding the difference between the hospital's gross charges and the actual negotiated or cash prices you will pay.