CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: St Lukes Hospital

Billing Code: 95810 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$971

about 1.1× the $877 Medicare rate · typically $579–$993

modeled estimate · not a bill or quote

What this hospital charges insurers

$315

Below the fair price — a good deal

about $656 under the fair price · 0.4× Medicare

Medicare pays $877 Fair price $971 This hospital $315 Cash price $2,853 Hospital's list price $5,244

How we calculate the fair BaseRate →

How this hospital compares to other MN hospitals

Lowest price of the 9 MN hospitals we have prices for — a strong deal.

Cheapest $315 Priciest $648

Black dot = this hospital, among the 9 MN 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 $971 (about 1.1× the $877 Medicare rate). St Lukes Hospital charges insurers about $315, or about $2,853 in cash — below the fair price — a good deal. Located in Duluth, MN.

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	$110 - $321	13%
Blue Cross Blue Shieldmajor	$87 - $2,247	10%
Aetnamajor	$109 - $916	12%
Humanamajor	$116 - $934	13%
HealthPartners	$111 - $907	13%
Medica	$87 - $377	10%
Security Health Plan	$109 - $4,155	12%
UCare	$92 - $115	10%
+ 1 smaller / regional plan	$96

Excludes 1 rental-network / third-party entry (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 2,853), 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 St Lukes 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 St Lukes Hospital

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

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