CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: The University of Vermont Health Network - Champl

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $580
Cash Discount Price: $2,339
vs. Medicare Baseline: 0.66x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at The University of Vermont Health Network - Champl is $580. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,339. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 0.66x the Medicare baseline. Located in 75 Beekman Street, Plattsburgh, NY.

Cash / Self-Pay

$2,339

Average discount available for prompt cash payment at this facility.

Insurance Median

$580

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: $2,339 (267%)

Insurance Median: $580 (66%)

Cash: $2,339 (267% of Medicare)

Ins. Median: $580 (66% 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
Blue Cross Blue Shield	$69 - $5,903	8%
UnitedHealthcare	$77 - $1,370	9%
Mvp	$94 - $1,429	11%
Aetna	$110 - $1,280	13%
Capital District Physicians' Health Plan	$110 - $1,415	13%
Fidelis Care	$110 - $1,243	13%
Humana	$110 - $1,181	13%
Martins Point	$110 - $1,331	13%
Veterans Affairs Community Care Network	$110 - $1,243	13%
Highmark Blueshield	$130 - $1,328	15%
Wellpath	$154 - $1,865	18%
St. Regis	$1,243 - $2,306	142%
Emblem Health	$1,436	164%
Harvard Pilgrim	$1,436 - $2,306	164%
Magnacare	$1,436 - $2,306	164%
Coventry	$1,616 - $2,594	184%
Multiplan	$1,705 - $2,738	194%

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 $2,339.
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 The University of Vermont Health Network - Champl 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.