CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Insight Hospital and Medical Center Coldwater

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $2,985
Cash Discount Price: $2,986
vs. Medicare Baseline: 3.40x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Insight Hospital and Medical Center Coldwater is $2,985. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,986. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 3.40x the Medicare baseline. Located in 274 E Chicago St, Coldwater, MI.

Cash / Self-Pay

$2,986

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,985

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$877.34

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $877.34 (100%)

Cash / Self-Pay: $2,986 (340%)

Insurance Median: $2,985 (340%)

Cash: $2,986 (340% of Medicare)

Ins. Median: $2,985 (340% of 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 340% of the Medicare baseline (a markup of 240%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

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	$1,600 - $2,985	182%
Medicare (plans)	$1,600 - $2,985	182%
UnitedHealthcare	$1,600 - $2,985	182%
Aetna	$2,240 - $2,985	255%
Humana	$2,240 - $2,985	255%
Blue Cross Blue Shield	$2,985	340%
Cofinity	$2,985	340%
Frontpath	$2,985	340%
Hap	$2,985	340%
Health Alliance Plan	$2,985	340%
Mclaren	$2,985	340%
Multi-Plan	$2,985	340%
Paramount Elite	$2,985	340%
Paramount Hmo	$2,985	340%
Paramount Ppo	$2,985	340%
Phcs	$2,985	340%
Php Northern Indiana	$2,985	340%
Php Of Mid Michigan	$2,985	340%
Priority	$2,985	340%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $2,986.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 95810.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Insight Hospital and Medical Center Coldwater is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 95810.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.