CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Sanford Jackson Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $3,960
Cash Discount Price: $4,598
vs. Medicare Baseline: 4.51x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Sanford Jackson Medical Center is $3,960. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,598. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 4.51x the Medicare baseline. Located in 1430 North Highway, Jackson, MN.

Cash / Self-Pay

$4,598

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,960

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: $4,598 (524%)

Insurance Median: $3,960 (451%)

Cash: $4,598 (524% of Medicare)

Ins. Median: $3,960 (451% 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 451% of the Medicare baseline (a markup of 351%). 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 - $5,049	122%
Blue Cross Blue Shield	$1,391 - $5,317	159%
Sanford Health Plan Align	$1,805	206%
Wellmark Sd	$1,937	221%
Aetna	$1,954 - $4,994	223%
Health Partners	$1,954 - $4,598	223%
Medicare (plans)	$1,954	223%
UnitedHealthcare	$1,954 - $4,799	223%
Primewest	$1,991 - $2,149	227%
Sanford Health Plan	$3,079 - $3,622	351%
Security Health Plan	$3,161	360%
Medica	$5,052 - $5,437	576%
Cigna	$5,172	590%
First Choice Health Network	$5,172	590%
Healthez	$5,172	590%
Multiplan	$5,172	590%

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 $4,598.
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 Jackson 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.