CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: St Mary's Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $899
Cash Discount Price: $855
vs. Medicare Baseline: 1.02x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at St Mary's Medical Center is $899. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $855. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 1.02x the Medicare baseline. Located in 201 Nw R D Mize Rd, Blue Springs, MO.

Cash / Self-Pay

$855

Average discount available for prompt cash payment at this facility.

Insurance Median

$899

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: $855 (97%)

Insurance Median: $899 (102%)

Cash: $855 (97% of Medicare)

Ins. Median: $899 (102% 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	$147 - $2,846	17%
Aetna	$856 - $947	98%
Cigna	$856	98%
Home State	$856 - $1,369	98%
Medicare (plans)	$856 - $899	98%
Tricare	$856	98%
Veterans Evaluation Services	$856	98%
Medicaid / KanCare	$867	99%
Kansas Superior	$873	100%
Healthy Blue	$899 - $1,240	102%
Employer Direct Healthcare	$1,198	137%
Blue Cross Blue Shield	$1,369 - $1,583	156%
6 Degrees	$1,712	195%

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 $855.
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 St Mary's Medical Center 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.