CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Sanford Tracy Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $4,394
Cash Discount Price: $4,226
vs. Medicare Baseline: 5.01x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Sanford Tracy Medical Center is $4,394. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,226. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 5.01x the Medicare baseline. Located in 251 Fifth Street East, Tracy, MN.

Cash / Self-Pay

$4,226

Average discount available for prompt cash payment at this facility.

Insurance Median

$4,394

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: $4,226 (482%)

Insurance Median: $4,394 (501%)

Cash: $4,226 (482% of Medicare)

Ins. Median: $4,394 (501% 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 501% of the Medicare baseline (a markup of 401%). 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
Ucare	$1,068 - $4,889	122%
Blue Cross Blue Shield	$1,211 - $5,149	138%
Sanford Health Plan Align	$1,950 - $2,170	222%
Wellmark Sd	$2,090 - $2,326	238%
Aetna	$2,110 - $4,836	240%
Health Partners	$2,110 - $4,452	240%
Medicare (plans)	$2,110 - $2,348	240%
UnitedHealthcare	$2,110 - $4,647	240%
Primewest	$2,153 - $2,693	245%
Security Health Plan	$2,751 - $3,061	314%
Sanford Health Plan	$3,948 - $5,168	450%
Medica	$4,396 - $5,264	501%
Cigna	$4,501 - $5,008	513%
First Choice Health Network	$4,501 - $5,008	513%
Healthez	$4,501 - $5,008	513%
Multiplan	$4,501 - $5,008	513%

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 $4,226.
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 Sanford Tracy 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.