CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Island Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $395
Cash Discount Price: $3,227
vs. Medicare Baseline: 0.45x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Island Hospital is $395. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,227. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 0.45x the Medicare baseline. Located in 1211 24Th Street, Anacortes, WA.

Cash / Self-Pay

$3,227

Average discount available for prompt cash payment at this facility.

Insurance Median

$395

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: $3,227 (368%)

Insurance Median: $395 (45%)

Cash: $3,227 (368% of Medicare)

Ins. Median: $395 (45% 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
Multiplan - All Plans	$133 - $2,743	15%
Aetna	$143 - $3,066	16%
UnitedHealthcare	$145 - $376	17%
Premera Comm - All Other Plans	$158 - $2,137	18%
First Choice - All Plans	$164	19%
Regence Comm - All Other Plans	$173 - $2,420	20%
Kaiser Comm - All Other Plans	$211	24%
Cigna	$301 - $2,582	34%
First Health - All Plans	$320 - $2,743	36%
Aarp Mcr Adv - All Plans	$376	43%
Chpw Mcaid - All Plans	$376 - $1,242	43%
Coordinated Care Mcaid - All Plans	$376 - $1,299	43%
Humana	$376 - $2,743	43%
Kaiser Mcr Adv	$376	43%
Molina Mcaid - All Plans	$376 - $512	43%
Samish Indian Health - All Plans	$376 - $1,162	43%
Swinomish Indian Health - All Plans	$376 - $1,162	43%
Tricare	$376 - $1,162	43%
Premera Mcr Adv	$395 - $1,220	45%
Amerigroup Mcaid - All Plans	$399 - $538	45%
Regence Mcr Adv	$399 - $1,231	45%

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 $3,227.
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 Island 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.