CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Mosaic Life Care at St Joseph

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $925
Cash Discount Price: $4,250
vs. Medicare Baseline: 1.05x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Mosaic Life Care at St Joseph is $925. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,250. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 1.05x the Medicare baseline. Located in 5325 Faraon Street, Saint Joseph, MO.

Cash / Self-Pay

$4,250

Average discount available for prompt cash payment at this facility.

Insurance Median

$925

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: $4,250 (484%)

Insurance Median: $925 (105%)

Cash: $4,250 (484% of Medicare)

Ins. Median: $925 (105% 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
Aetna	$93 - $4,135	11%
Medicaid / KanCare	$93 - $476	11%
UnitedHealthcare	$93 - $7,050	11%
Blue Cross Blue Shield	$122 - $4,340	14%
Amerigroup Of Iowa	$188 - $544	21%
Iowa Total Care	$188 - $544	21%
Molina Of Iowa	$188 - $544	21%
Multiplan	$600 - $4,500	68%
Centurion	$754 - $3,500	86%
Geha Shared Services	$875 - $4,060	100%
Freedom Select Healthlink	$925 - $4,293	105%
Healthlink Open Access	$925 - $4,293	105%
Preferred Health Professional	$925 - $4,293	105%
Sisco	$925 - $4,293	105%
Cigna	$948 - $4,400	108%
Ambetter / Centene	$1,016 - $1,948	116%
Home State Of Missouri	$7,250	826%
Healthy Blue Of Missouri	$8,900	1014%

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 $4,250.
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 Mosaic Life Care at St Joseph 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.