CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Frisbie Memorial Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $2,141
Cash Discount Price: $6,381
vs. Medicare Baseline: 2.44x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Frisbie Memorial Hospital is $2,141. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $6,381. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 2.44x the Medicare baseline. Located in 11 Whitehall Road, Rochester, NH.

Cash / Self-Pay

$6,381

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,141

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: $6,381 (727%)

Insurance Median: $2,141 (244%)

Cash: $6,381 (727% of Medicare)

Ins. Median: $2,141 (244% 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 244% of the Medicare baseline (a markup of 144%). 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
Blue Cross Blue Shield	$488 - $3,671	56%
Amerihealth Caritas	$526	60%
Well Sense Health Plan	$779	89%
Harvard Pilgrim	$1,694 - $2,585	193%
Maine Community Health	$1,820 - $3,085	207%
Cigna	$2,093 - $2,406	239%
Tufts Health Plan	$2,189 - $3,650	250%
United	$2,189 - $3,848	250%
Aetna	$3,688	420%
Evernorth	$5,105	582%

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 $6,381.
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 Frisbie 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.