Sleep study (overnight, in lab)
Facility: Jewell County Hospital
Billing Code: 95810 (CPT)
- CPT Billing Code: 95810
- Insurance Median: $1,505
- Cash Discount Price: $1,188
- vs. Medicare Baseline: 1.72x 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 |
|---|---|---|
| Rural Carriers - All Plans | $1,346 | 153% |
| Meritain - All Plans | $1,426 | 163% |
| Aetna | $1,426 | 163% |
| UnitedHealthcare | $1,505 | 172% |
| First Health - All Plans | $1,505 | 172% |
| Cigna | $1,505 | 172% |
| Midlands Choice - All Plans | $1,505 | 172% |
Consumer Guidance & Cost Commentary
For this sleep study procedure at Jewell County Hospital in Mankato, KS, the facility's cash price of $1,188 is lower than the state average of $1,505, making it a potentially cost-effective option for patients with high-deductible plans or those paying out-of-pocket. While the hospital's negotiated rates with major payers like UnitedHealthcare and Aetna average $1,505, these amounts exceed the cash price, suggesting that self-pay could save you money depending on your insurance coverage. Because the facility is a Critical Access Hospital with government local ownership, it is important to verify if your specific plan qualifies for in-network benefits before scheduling, as commercial rates can sometimes be higher than the cash rate due to administrative costs and contract structures.
To ensure you are not overcharged, we recommend requesting an itemized billing audit before finalizing payment, as over 80% of hospital bills contain errors such as unbundled codes or services not rendered. If you receive a surprise bill, remember that the No Surprises Act protects you from balance billing for out-of-network services at in-network facilities, and you should dispute any unexpected charges in writing rather than paying immediately. Additionally, ask the billing department about prompt-pay discounts, which can reduce your total by 20% to 50% if you settle the account upfront, effectively bypassing the higher administrative fees associated with insurance claims processing.