CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Cambridge Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $2,644
Cash Discount Price: $2,699
vs. Medicare Baseline: 3.01x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Cambridge Medical Center is $2,644. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,699. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 3.01x the Medicare baseline. Located in 701 South Dellwood Avenue, Cambridge, MN.

Cash / Self-Pay

$2,699

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,644

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: $2,699 (308%)

Insurance Median: $2,644 (301%)

Cash: $2,699 (308% of Medicare)

Ins. Median: $2,644 (301% 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 301% of the Medicare baseline (a markup of 201%). 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	$818	93%
Ucare Pmap (A B C D E G N O S U R H)	$831 - $1,108	95%
Aetna	$841 - $3,274	96%
Hennepin Health	$843	96%
Medicare (plans)	$885	101%
Medica	$920 - $2,769	105%
Blue Cross Blue Shield	$929 - $3,281	106%
Scha Msho (D)	$967	110%
Medica Health System	$1,535 - $2,914	175%
Healthpartners	$2,103	240%
Health Partners	$2,292 - $2,547	261%
Medica Mhps	$2,769	316%
Medica Ubh (D)	$2,891 - $4,626	330%
Americas Ppo (Araz)(B D N O R S V)	$3,186 - $4,248	363%
Americas Ppo (Araz) (B D N H O R S)	$3,469 - $4,626	395%
First Health (A C E G H U B D N O R S)	$3,469 - $4,626	395%
UnitedHealthcare	$4,046	461%
All Other Contracted Care (A B C D E G H N O R S U)	$4,130 - $5,507	471%

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 $2,699.
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 Cambridge Medical Center 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.