CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Garnet Health Medical Center

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $2,037
Cash Discount Price: $1,800
vs. Medicare Baseline: 2.32x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Garnet Health Medical Center is $2,037. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,800. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 2.32x the Medicare baseline. Located in 707 East Main Street, Middletown, NY.

Cash / Self-Pay

$1,800

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,037

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: $1,800 (205%)

Insurance Median: $2,037 (232%)

Cash: $1,800 (205% of Medicare)

Ins. Median: $2,037 (232% 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 232% of the Medicare baseline (a markup of 132%). 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	$1,072 - $1,645	122%
Fidelis	$1,093	125%
Wellcare	$1,097	125%
Magnacare	$1,453 - $2,324	166%
Local 1199	$1,645	187%
Rojw	$1,876	214%
Northwell Direct	$2,198	251%
Mvp	$2,492	284%
Emblem Health	$2,680	305%
Geisinger Health Plan	$2,680	305%
Blue Cross Blue Shield	$3,324 - $4,860	379%

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 $1,800.
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 Garnet Health 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.