Sleep study (overnight, in lab)
Facility: Osborne County Memorial Hospital
Billing Code: 95810 (CPT)
- CPT Billing Code: 95810
- Insurance Median: $2,530
- Cash Discount Price: $2,376
- vs. Medicare Baseline: 2.88x 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 288% of the Medicare baseline (a markup of 188%). 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 |
|---|---|---|
| UnitedHealthcare | $2,124 | 242% |
| Health Partners Of Kansas | $2,404 | 274% |
| Wppa | $2,655 | 303% |
| Blue Cross Blue Shield | $2,739 | 312% |
Consumer Guidance & Cost Commentary
For the CPT code 95810, representing an overnight sleep study at Osborne County Memorial Hospital in Osborne, KS, the cash median price is $2,376.00. This cash rate is notably lower than the facility's negotiated rates, which range from $2,124 to $2,739 depending on the insurance carrier, with UnitedHealthcare, Health Partners Of Kansas, Wppa, and Blue Cross Blue Shield each having a single plan at their respective negotiated levels. For patients with high-deductible plans who have not yet met their out-of-pocket maximum, paying the cash price of $2,376.00 may result in lower total costs compared to using insurance, as the negotiated rates often exceed the cash amount. We recommend contacting the hospital directly to confirm if "self-pay" or "prompt-pay" discounts are available, as these upfront payment incentives can further reduce the final bill by bypassing administrative processing fees.
The facility's pricing is benchmarked against the Medicare rate of $877.34, which serves as the objective baseline for evaluating healthcare costs. The cash price of $2,376.00 represents a 2.9x markup relative to the Medicare amount, reflecting the commercial pricing structure used for this service. While the data does not provide specific county or state average comparisons for this procedure, it is important to remember that commercial negotiated rates often average 200% to 300% of Medicare rates, whereas fair pricing is typically defined as 120% to 150%. Patients should avoid relying on summary bills that obscure individual charges and instead request a detailed itemized statement to