CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Hackensack University Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $5,978
Cash Discount Price: $1,198
vs. Medicare Baseline: 6.81x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Hackensack University Medical Center is $5,978. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,198. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 6.81x the Medicare baseline. Located in 30 Prospect Ave, Hackensack, NJ.

Cash / Self-Pay

$1,198

Average discount available for prompt cash payment at this facility.

Insurance Median

$5,978

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: $1,198 (137%)

Insurance Median: $5,978 (681%)

Cash: $1,198 (137% of Medicare)

Ins. Median: $5,978 (681% 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 681% of the Medicare baseline (a markup of 581%). 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
Karna	$196 - $1,122	22%
UnitedHealthcare	$959 - $8,372	109%
Blue Cross Blue Shield	$1,198	137%
Horizon	$1,198 - $8,112	137%
Vaccn	$1,198	137%
Wellcare	$1,198	137%
Aetna	$1,209 - $5,978	138%
United Community/Americhoice	$1,258	143%
Clover	$1,497	171%
Seoul Medical Group	$2,379	271%
Oxford	$4,994	569%
Intergroup	$5,823	664%
Bergen Risk	$6,238	711%
Lhp Health	$6,571	749%
Cigna	$6,654 - $8,048	758%
Activecare First McO	$7,070	806%
Chn	$7,070	806%
Multiplan - PHCS	$7,070	806%
Qualcare	$7,336	836%
Brighton Health Plan	$7,486	853%
Amerihealth	$8,318	948%

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 $1,198.
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 Hackensack University 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.