CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Memorial Health Care Systems

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $2,662
Cash Discount Price: $4,579
vs. Medicare Baseline: 3.03x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Memorial Health Care Systems is $2,662. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,579. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 3.03x the Medicare baseline. Located in 300 North Columbia Ave, Seward, NE.

Cash / Self-Pay

$4,579

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,662

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: $4,579 (522%)

Insurance Median: $2,662 (303%)

Cash: $4,579 (522% of Medicare)

Ins. Median: $2,662 (303% 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 303% of the Medicare baseline (a markup of 203%). 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
Molina Mcaid-All Plans	$2,473	282%
Ne Total Care Mcaid-All Plans	$2,473	282%
UnitedHealthcare	$2,473 - $4,487	282%
Beshp Mcr Adv - All Plans	$2,610	297%
Blue Cross Blue Shield	$2,610 - $4,350	297%
Medica Mcare Cost	$2,610	297%
Medica Mcr Adv	$2,610	297%
Tricare	$2,610	297%
Wellcare Mcr Adv - All Plans	$2,662	303%
Phcs Ppo-All Plans	$4,350	496%
Ambetter / Centene	$4,396	501%
Medica Comm-All Other Plans	$4,396	501%
Medica Elevate	$4,396	501%
Midlands Choice-All Plans	$4,442	506%
Aetna	$4,487	511%

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 $4,579.
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 Memorial Health Care Systems 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.