CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: St Francis Memorial Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $1,510
Cash Discount Price: $6,156
vs. Medicare Baseline: 1.72x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at St Francis Memorial Hospital is $1,510. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $6,156. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 1.72x the Medicare baseline. Located in 430 North Monitor St, West Point, NE.

Cash / Self-Pay

$6,156

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,510

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: $6,156 (702%)

Insurance Median: $1,510 (172%)

Cash: $6,156 (702% of Medicare)

Ins. Median: $1,510 (172% 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	$126 - $5,848	14%
Humana	$126 - $2,709	14%
Medica	$126 - $5,910	14%
Nebraska Total Care	$128 - $2,764	15%
Aetna	$132 - $5,910	15%
Good Samaritan Insurance Plan Of Nebraska	$132 - $2,844	15%
Molina Healthcare Of Nebraska	$132 - $3,078	15%
UnitedHealthcare	$2,339 - $5,910	267%
Midlands Choice	$5,910	674%

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 $6,156.
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 Francis Memorial Hospital 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.