CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Catawba Valley Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $3,159
Cash Discount Price: $3,807
vs. Medicare Baseline: 3.60x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Catawba Valley Medical Center is $3,159. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,807. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 3.60x the Medicare baseline. Located in 810 Fairgrove Church Rd, Hickory, NC.

Cash / Self-Pay

$3,807

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,159

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: $3,807 (434%)

Insurance Median: $3,159 (360%)

Cash: $3,807 (434% of Medicare)

Ins. Median: $3,159 (360% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 360% of the Medicare baseline (a markup of 260%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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	$509 - $3,186	58%
Cigna	$969 - $3,505	110%
Humana	$988 - $5,098	113%
Wellcare	$998	114%
Blue Cross Blue Shield	$1,017 - $3,148	116%
Devoted Health	$1,017	116%
Gateway	$1,017	116%
Longevity Healthcare	$1,017	116%
Liberty Advantage	$1,027	117%
Troy	$1,027	117%
Mdsave	$1,347	154%
Caresource North Carolina	$2,180	248%
Medcost	$3,159 - $4,365	360%
Directnet	$3,790 - $3,823	432%
Aetna	$3,847 - $3,881	438%
Prime Health Service	$4,738 - $4,779	540%
Multiplan	$5,369 - $5,416	612%

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 $3,807.
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 Catawba Valley 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.