CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: University of Missouri Health Care

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $1,408
Cash Discount Price: $3,151
vs. Medicare Baseline: 1.60x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at University of Missouri Health Care is $1,408. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,151. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 1.60x the Medicare baseline. Located in One Hospital Drive, Columbia, MO.

Cash / Self-Pay

$3,151

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,408

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: $3,151 (359%)

Insurance Median: $1,408 (160%)

Cash: $3,151 (359% of Medicare)

Ins. Median: $1,408 (160% 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
UnitedHealthcare	$320 - $1,200	36%
Medica With Mu Health	$824 - $1,838	94%
Aetna	$986 - $4,043	112%
American Health Management	$986	112%
Blue Cross Blue Shield	$986 - $3,460	112%
Humana	$986	112%
Wellcare	$986	112%
Provider Partners Health Plan	$1,005	115%
Healthy Blue	$1,301	148%
United Community	$1,301	148%
Home State	$1,388	158%
Immergun	$1,838	209%
Coventry Health Plan	$3,413	389%
Healthlink	$3,413	389%
Coventry Health Plan National	$3,938	449%
Mercy	$3,938	449%
Cox Health Network	$4,201	479%
Cigna	$4,463	509%
Multiplan	$4,621	527%

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 $3,151.
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 University of Missouri Health Care 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.