CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Insight Hospital and Medical Center Coldwater

Billing Code: 95810 (CPT)

The BaseRate · fair price medium confidence

A fair price for this

$1,863

about 2.1× the $877 Medicare rate · typically $946–$3,066

modeled estimate · not a bill or quote

What this hospital charges insurers

$2,985

Above the fair price

about $1,122 over the fair price · 3.4× Medicare

Medicare pays $877 Fair price $1,863 This hospital $2,985 Cash price $2,986 Hospital's list price $3,732

How we calculate the fair BaseRate →

How this hospital compares to other MI hospitals

Highest price of the 9 MI hospitals we have prices for — worth calling around.

Cheapest $213 Priciest $2,985

Black dot = this hospital, among the 9 MI hospitals with a price for this procedure. Full list below.

A fair price for a Sleep study (overnight, in lab) is about $1,863 (about 2.1× the $877 Medicare rate). Insight Hospital and Medical Center Coldwater charges insurers about $2,985, or about $2,986 in cash — above the fair price. Located in Coldwater, MI.

This price is above the fair BaseRate — you may be able to pay less

Ask the hospital for the cash / self-pay price, check whether you qualify for financial assistance, or negotiate the bill down toward the fair price of about $1,863. Many patients pay well below the first number they’re quoted — the checklists below walk you through it.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

4 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Humana CignaKaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$1,600 - $2,985	182%
Blue Cross Blue Shieldmajor	$2,985	340%
Aetnamajor	$2,240 - $2,985	255%
Humanamajor	$2,240 - $2,985	255%
Paramount	$2,985	340%
+ 7 smaller / regional plans	$2,985

Government programs also on file: Medicare, Medicaid.

Excludes 4 rental-network / third-party entries (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 2,986), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 95810.

Insurance Before you use insurance

Call your insurance company to confirm Insight Hospital and Medical Center Coldwater is in-network.
Ask your insurer whether prior approval is required for CPT code 95810.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at Insight Hospital and Medical Center Coldwater

Compare: Sleep study (overnight, in lab) at other MI hospitals

Insurance negotiated median for the same procedure, sorted lowest first.