CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Banner Churchill Community Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $4,406
Cash Discount Price: $3,417
vs. Medicare Baseline: 5.02x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Banner Churchill Community Hospital is $4,406. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,417. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 5.02x the Medicare baseline. Located in 801 East Williams Avenue, Fallon, NV.

Cash / Self-Pay

$3,417

Average discount available for prompt cash payment at this facility.

Insurance Median

$4,406

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: $3,417 (389%)

Insurance Median: $4,406 (502%)

Cash: $3,417 (389% of Medicare)

Ins. Median: $4,406 (502% 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 502% of the Medicare baseline (a markup of 402%). 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
Aetna	$1,273 - $4,601	145%
Banner Health	$1,566	178%
Hometown Health	$1,566 - $4,650	178%
Silversummit Healthplan	$1,566 - $4,406	178%
Triwest Healthcare Alliance Corp - Va Ccn	$1,566 - $2,007	178%
UnitedHealthcare	$1,566 - $4,406	178%
Humana	$1,660	189%
Nevada Preferred Healthcare Providers	$4,406	502%
Blue Cross Blue Shield	$4,503	513%
Multiplan	$4,601	524%
Cigna	$4,621	527%
Coventry	$4,699	536%

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 $3,417.
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 Banner Churchill Community 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.