CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Cheshire Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $868
Cash Discount Price: $375
vs. Medicare Baseline: 0.99x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Cheshire Medical Center is $868. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $375. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 0.99x the Medicare baseline. Located in 580 Court Street, Keene, NH.

Cash / Self-Pay

$375

Average discount available for prompt cash payment at this facility.

Insurance Median

$868

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: $375 (43%)

Insurance Median: $868 (99%)

Cash: $375 (43% of Medicare)

Ins. Median: $868 (99% 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
Aetna	$116 - $1,925	13%
Ambetter / Centene	$122 - $945	14%
Blue Cross Blue Shield	$122 - $3,450	14%
Cigna	$122 - $1,243	14%
Martin'S Point Generations Advantage	$122 - $1,063	14%
Martin'S Point Health Care	$122 - $1,063	14%
Mvp	$122 - $1,243	14%
UnitedHealthcare	$122 - $1,924	14%
Wellcare Health Plans	$122 - $1,063	14%
Wellsense Health Plan	$122 - $1,137	14%
Amerihealth Caritas Nh	$166 - $517	19%
Granite State Health Plan	$227 - $517	26%
Harvard Pilgrim Health Care Of Ne	$290 - $2,464	33%
Mass General Brigham Health Plan	$311 - $1,370	35%
Tufts Health Plan	$322 - $1,543	37%
Maine Community Health Options	$612	70%
First Health/Hcvm	$1,156	132%
Phcs	$1,224	140%

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 $375.
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 Cheshire 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.