CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Beloit Health System

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $3,901
Cash Discount Price: $2,100
vs. Medicare Baseline: 4.45x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Beloit Health System is $3,901. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,100. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 4.45x the Medicare baseline. Located in 1969 W Hart Rd, Beloit, WI.

Cash / Self-Pay

$2,100

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,901

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: $2,100 (239%)

Insurance Median: $3,901 (445%)

Cash: $2,100 (239% of Medicare)

Ins. Median: $3,901 (445% 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 445% of the Medicare baseline (a markup of 345%). 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	$120 - $7,242	14%
Blue Cross Blue Shield	$120 - $4,265	14%
Dean Health	$120 - $4,503	14%
Independent Care Health Plan	$120 - $904	14%
Quartz	$120 - $5,230	14%
UnitedHealthcare	$120 - $6,035	14%
Cook Children'S Health Plan (Cchp)	$125 - $904	14%
Naphcare	$180 - $1,356	21%
The Alliance	$301 - $3,615	34%
Humana	$431 - $3,362	49%
Wps	$481 - $5,960	55%
Managed Health Services	$904	103%
Molina Healthcare	$904	103%
Wellcare	$904	103%
Wea Trust	$1,149 - $4,426	131%
Multiplan	$1,671 - $6,437	190%
Health Eos	$1,900 - $7,161	217%
Cigna	$1,984 - $7,403	226%
Hfn	$1,984 - $7,403	226%
Preferred Network Access	$1,984 - $7,403	226%

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 $2,100.
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 Beloit Health System 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.