CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Perham Health

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $1,437
Cash Discount Price: $2,037
vs. Medicare Baseline: 1.64x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Perham Health is $1,437. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,037. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 1.64x the Medicare baseline. Located in 1000 Coney Street West, Perham, MN.

Cash / Self-Pay

$2,037

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,437

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: $2,037 (232%)

Insurance Median: $1,437 (164%)

Cash: $2,037 (232% of Medicare)

Ins. Median: $1,437 (164% 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	$567 - $2,859	65%
Health Partners Mcr Adv	$694 - $1,437	79%
Humana	$694 - $1,437	79%
Medica Mcr Adv	$694 - $1,437	79%
Medicare (plans)	$694 - $1,597	79%
Ucare Mn Senior Health Options	$694 - $1,437	79%
UnitedHealthcare	$715 - $3,296	81%
Ucare Mn Special Needs Basic Care Dual	$729 - $1,509	83%
Ucare Mn Medical Assistance	$735 - $1,521	84%
Ucare Mn Minnesota Care	$735 - $1,521	84%
Ucare Mn Senior Care Plus	$735 - $1,521	84%
Ucare Mn Special Needs Basic Care	$735 - $1,521	84%
Medicaid / KanCare	$736 - $1,523	84%
Medica Mcaid Mn Care	$747 - $1,547	85%
Medica Mn (Msho)	$841 - $1,741	96%
Ucare Individual And Family Plan-All Other Plans	$845 - $1,750	96%
Medica Mn Senior Hp/Outside Mn	$929 - $1,923	106%
Health Partners Minnesota Care	$1,021 - $2,113	116%
Medica Commercial-All Other Plans	$1,495 - $3,093	170%
Preferred One (Pchp, Pic, Pas)-All Other Plans	$1,532 - $3,170	175%
Health Partners-All Plans	$1,674 - $3,465	191%
Preferred One (Ppo)	$1,736 - $3,592	198%
Sanford Health Plan-All Plans	$1,736 - $3,592	198%

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 $2,037.
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 Perham Health 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.