Sleep study (overnight, in lab)
Facility: Overland Park Reg Med Ctr
Billing Code: 95810 (CPT)
- CPT Billing Code: 95810
- Insurance Median: $7,014
- Cash Discount Price: $27,943
- vs. Medicare Baseline: 7.99x 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.
Elevated Commercial Rate Alert (Value-Gap)
The negotiated rate at this facility is 799% of the Medicare baseline (a markup of 699%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
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 |
|---|---|---|
| United | $383 - $12,574 | 44% |
| Amerigroup | $383 | 44% |
| Healthyblue | $391 | 45% |
| Medicaid / KanCare | $395 | 45% |
| Unicare | $398 | 45% |
| Aetna | $398 - $14,251 | 45% |
| Home State Health Plan | $911 | 104% |
| Cigna | $1,376 - $2,052 | 157% |
| Humana | $1,391 - $1,729 | 159% |
| Blue Cross Blue Shield | $3,633 - $12,015 | 414% |
| Ambetter / Centene | $5,197 | 592% |
| Nhc Advantage | $5,309 | 605% |
| Oscar | $5,309 | 605% |
| Wppa Providrs Care Network | $5,589 | 637% |
| Universal Healthcare | $9,780 | 1115% |
| Coventry | $11,233 | 1280% |
| Coventry Kc Mo | $11,456 | 1306% |
| College Park Family Care Center | $12,015 | 1369% |
| Oha Network | $13,971 | 1592% |
| Multiplan | $14,810 - $22,354 | 1688% |
| Corvel Corporation | $18,163 | 2070% |
| Triwest Health Alliance | $20,957 | 2389% |
| Cco, Inc. | $20,957 | 2389% |
| Focus Healthcare Mgmt, Inc | $20,957 | 2389% |
Consumer Guidance & Cost Commentary
For this sleep study procedure at Overland Park Reg Med Ctr, the cash price of $27,943 is significantly higher than the facility's median negotiated rate of $7,014 and the median paid amount of $3,779. While the cash price is notably higher than the Medicare benchmark of $877.34, patients with high-deductible plans may find paying out-of-pocket cheaper if their insurance negotiated rates exceed this cash price, though this specific facility's cash rate is the highest available option. It is important to note that while the facility is an in-network provider for many plans, the wide variation in allowed amounts across payers—ranging from $383 for Amerigroup to $22,354 for Multiplan—highlights the necessity of verifying your specific plan's allowed amount before scheduling.
Patients should be aware that balance billing is generally prohibited for in-network services under the No Surprises Act, meaning the facility cannot bill you for the difference between their chargemaster and your insurance allowed amount for this covered service. However, if you choose to pay directly, you may be eligible for a prompt-pay discount by requesting a self-pay rate before check-in, which could reduce the total cost. Additionally, since over 80% of hospital bills contain errors, we strongly recommend requesting a full itemized CPT-coded bill to review every charge for potential unbundling or services not rendered, rather than accepting a summary invoice. Always confirm your deductible status and ask for any available self-pay or prompt-pay discounts prior to receiving care to avoid unexpected financial burdens.