Sleep study (overnight, in lab)
Facility: Labette Health
Billing Code: 95810 (CPT)
- CPT Billing Code: 95810
- Insurance Median: $941
- Cash Discount Price: $2,319
- vs. Medicare Baseline: 1.07x 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 |
|---|---|---|
| Medicaid / KanCare | $87 - $1,491 | 10% |
| Uhccp | $147 - $268 | 17% |
| Multiplan | $165 - $3,353 | 19% |
| Choicecare (First Health Network) | $174 - $3,550 | 20% |
| Health Partners Of Kansas, Inc | $174 - $3,550 | 20% |
| Healthy Blue | $345 | 39% |
| Ambetter / Centene | $828 - $1,082 | 94% |
| Blue Cross Blue Shield | $941 - $1,056 | 107% |
| Wellcare | $941 | 107% |
| Humana | $941 | 107% |
| UnitedHealthcare | $941 - $3,432 | 107% |
| Kansas Superior Select | $969 | 110% |
| Montgomery County | $1,093 - $1,722 | 125% |
Consumer Guidance & Cost Commentary
For the sleep study (overnight, in lab) procedure at Labette Health in Parsons, KS, the facility's cash median rate of $2,319.00 is significantly higher than the state average of $929.00. While the facility is a government-owned acute care hospital, patients should be aware that commercial insurance negotiated rates often exceed cash prices due to administrative overhead and contract structures. For instance, the highest negotiated rates observed across payers like Multiplan and Choicecare reach up to $3,550, which is more than double the cash price. This dynamic suggests that for patients with high-deductible plans, paying the cash rate directly might result in lower out-of-pocket costs compared to relying on insurance, provided the patient has met their deductible.
To optimize costs, patients should proactively inquire about "self-pay" or "prompt-pay" discounts before scheduling, as these can reduce bills by 20% to 50% by bypassing insurance billing cycles. Additionally, since the No Surprises Act prohibits balance billing for out-of-network services at in-network facilities, patients should verify that all ancillary services, such as lab components, are covered under the same network agreement. If a balance bill does occur, patients should request a formal itemized billing audit to identify errors or unbundled charges, as over 80% of hospital bills contain discrepancies that can be resolved through written dispute with the billing supervisor.