Sleep study (overnight, in lab)
Facility: Sheridan County Hospital
Billing Code: 95810 (CPT)
- CPT Billing Code: 95810
- Insurance Median: $1,752
- Cash Discount Price: $2,085
- vs. Medicare Baseline: 2.00x 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 |
|---|---|---|
| Celtic Insurance | $1,261 | 144% |
| Blue Cross Blue Shield | $1,752 | 200% |
| UnitedHealthcare | $1,981 | 226% |
Consumer Guidance & Cost Commentary
For the CPT code 95810, representing an overnight sleep study at Sheridan County Hospital in Hoxie, Kansas, the cash price is $2,085.00, which matches the facility's median paid amount. This cash rate is significantly higher than the state and county averages, indicating that commercial insurance contracts may offer better value for insured patients. While the cash price is the baseline for self-pay, the median negotiated rate across three payers is $1,752.00, and the median amount paid by insurers is $1,393.00. Because commercial rates often include administrative overhead and contract markups, patients with high-deductible plans might find that paying the cash price directly is more cost-effective than relying on insurance, especially if the insurer's negotiated rate exceeds the cash price.
To maximize savings, patients should verify their specific plan's negotiated rate before scheduling, as in-network coverage does not guarantee the lowest possible price. It is important to note that while the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, unexpected ancillary charges can still occur if specific lab or physician services are out-of-network. Additionally, patients should request a formal itemized bill to ensure no unbundled codes or services not rendered are included, as over 80% of hospital bills contain errors. Finally, inquiring about prompt-pay discounts at the time of registration can reduce the final bill by 20% to 50%, bypassing the administrative costs associated with insurance claims processing.