CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Lakewood Health System

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $1,271
Cash Discount Price: $1,912
vs. Medicare Baseline: 1.45x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Lakewood Health System is $1,271. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,912. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 1.45x the Medicare baseline. Located in 49725 County Road 83, Staples, MN.

Cash / Self-Pay

$1,912

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,271

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: $1,912 (218%)

Insurance Median: $1,271 (145%)

Cash: $1,912 (218% of Medicare)

Ins. Median: $1,271 (145% 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.

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
Blue Cross Blue Shield	$1,198 - $2,269	137%
Medica Msho/Mcr Adv	$1,234	141%
UnitedHealthcare	$1,234 - $2,745	141%
Humana	$1,246	142%
Ucare Mcr Adv	$1,271	145%
Ucare Msho/Special Needs	$1,271	145%
Ucare Individual/Family - All Other Plans	$1,419	162%
Medica Choice Care	$1,505	172%
Medica Choice/Focus/Ifb/Mhps - All Other Plans	$2,760	315%
Health Partners - All Plans	$2,899	330%
Preferred One Hmo	$2,930	334%
Preferred One Ppo - All Other Plans	$2,930	334%

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 $1,912.
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 Lakewood Health System 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.