CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Chippewa County Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $1,874
Cash Discount Price: $1,696
vs. Medicare Baseline: 2.14x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Chippewa County Hospital is $1,874. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,696. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 2.14x the Medicare baseline. Located in 824 North 11Th Street, Montevideo, MN.

Cash / Self-Pay

$1,696

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,874

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: $1,696 (193%)

Insurance Median: $1,874 (214%)

Cash: $1,696 (193% of Medicare)

Ins. Median: $1,874 (214% 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 214% of the Medicare baseline (a markup of 114%). 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
Health Partners Comm - All Other Plans	$78 - $4,076	9%
Medica Mcaid	$87 - $2,111	10%
Ucare Msho	$99 - $1,930	11%
Ucare Non-Dual	$104 - $1,930	12%
Health Partners Mcr	$110 - $1,874	13%
Medica Mcr Adv	$111 - $1,874	13%
Medica Mcr Cost/Select	$111 - $1,874	13%
Ucare Mcr Select	$118 - $1,874	13%
Ucare Mcr Adv	$124 - $1,930	14%
Ucare Ifp - All Other Plans	$421 - $2,155	48%
Medica Comm - All Other Plans	$479 - $3,985	55%
Blue Cross Blue Shield	$3,194	364%

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 $1,696.
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 Chippewa County Hospital 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.