Sleep study (overnight, in lab)
Facility: Neosho Memorial Regional Medical Center
Billing Code: 95810 (CPT)
- CPT Billing Code: 95810
- Insurance Median: $1,778
- Cash Discount Price: $4,168
- vs. Medicare Baseline: 2.03x 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 203% of the Medicare baseline (a markup of 103%). 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 |
|---|---|---|
| Medicaid / KanCare | $383 | 44% |
| Blue Cross Blue Shield | $1,404 - $1,778 | 160% |
| Tricare | $1,712 | 195% |
| Medadv_Allwell | $1,778 | 203% |
| Va_Ccn | $1,778 | 203% |
| Medadv_Uhc | $1,778 | 203% |
| Medicare (plans) | $1,778 | 203% |
| Aetna | $1,778 | 203% |
| Humana | $1,778 | 203% |
| Ambetter / Centene | $2,801 | 319% |
| Wppa_Providrscare | $4,613 | 526% |
| United | $4,624 | 527% |
| Hpk | $5,279 | 602% |
| Coventry | $5,279 | 602% |
| Cigna | $5,279 | 602% |
Consumer Guidance & Cost Commentary
For the sleep study procedure (CPT 95810) at Neosho Memorial Regional Medical Center in Chanute, KS, the facility's negotiated rates range from $1,778 to $4,624 depending on the insurance plan, with a median negotiated amount of $1,778. This facility is a Critical Access Hospital with government-local ownership, and its pricing structure is significantly higher than the national benchmark; the Medicare reimbursement rate for this service is $877.34, while the facility's cash median price is $4,168.00. Because the facility is a Critical Access Hospital, it is subject to federal payment limits that generally prevent balance billing for in-network services, though patients should verify their specific plan's allowed amount to ensure they are not facing unexpected out-of-network charges for ancillary services.
Patients should be aware that while insurance contracts set a maximum negotiated rate, paying cash directly can sometimes result in a lower total cost if the patient's deductible has not been met or if the commercial negotiated rate exceeds the cash price. The facility offers a cash median of $4,168.00, which is notably higher than the Medicare benchmark of $877.34, suggesting that for those with high-deductible plans, the insurance negotiated rate of $1,778.00 may be the most cost-effective option. To secure the best possible price, patients are encouraged to request a "self-pay" or "prompt-pay" discount before scheduling, as hospitals often provide fee reductions for upfront payments that bypass the administrative overhead of insurance claims processing. Always obtain a detailed, itemized bill before paying to ensure no unb