CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: St Luke's Hospital - Carbon Campus

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $1,969
Cash Discount Price: $14,434
vs. Medicare Baseline: 2.24x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at St Luke's Hospital - Carbon Campus is $1,969. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $14,434. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 2.24x the Medicare baseline. Located in 500 St Luke's Drive, Lehighton, PA.

Cash / Self-Pay

$14,434

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,969

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: $14,434 (1645%)

Insurance Median: $1,969 (224%)

Cash: $14,434 (1645% of Medicare)

Ins. Median: $1,969 (224% 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 224% of the Medicare baseline (a markup of 124%). 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
Geisinger	$409 - $4,890	47%
Amerihealth Caritas	$416	47%
Highmark Wholecare	$416	47%
Upmc Health Plan	$416 - $4,767	47%
Jefferson Health Plan	$499	57%
Blue Cross Blue Shield	$1,013 - $6,601	115%
Highmark	$1,013 - $2,844	115%
Aetna	$1,033 - $6,069	118%
Humana	$1,053	120%
UnitedHealthcare	$1,094 - $5,026	125%
Oscar	$4,513	514%
Cigna	$4,760	543%

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 $14,434.
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 St Luke's Hospital - Carbon Campus 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.