CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Munson Healthcare Otsego Memorial Hospital

Billing Code: 95810 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$517

about 0.6× the $877 Medicare rate · typically $306–$623

modeled estimate · not a bill or quote

What this hospital charges insurers

$583

About the fair price

about $66 over the fair price · 0.7× Medicare

Medicare pays $877 Fair price $517 This hospital $583 Cash price $2,907 Hospital's list price $3,420

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 $583

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

⚠ The cash price looks unusually high next to the insurance price — it may be the full list price, not a real cash discount. Call to confirm the self-pay rate.

A fair price for a Sleep study (overnight, in lab) is about $517 (about 0.6× the $877 Medicare rate). Munson Healthcare Otsego Memorial Hospital charges insurers about $583, or about $2,907 in cash — about the fair price. Located in Gaylord, MI.

What each insurance company pays

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

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

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Cigna✓ Humana Kaiser 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	$74 - $2,739	8%
Blue Cross Blue Shieldmajor	$75 - $2,136	9%
Aetnamajor	$118 - $2,770	13%
Cignamajor	$159 - $1,661	18%
Humanamajor	$117 - $856	13%
Meridian	$74 - $448	8%
Molina	$74 - $924	8%
Priority Health	$74 - $1,661	8%
+ 11 smaller / regional plans	$74 - $2,907

Government programs also on file: Medicare.

Excludes 2 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 2,907), 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 Munson Healthcare Otsego Memorial Hospital 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 Munson Healthcare Otsego Memorial Hospital

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

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