CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Black River Memorial Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $1,649
Cash Discount Price: $1,562
vs. Medicare Baseline: 1.88x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Black River Memorial Hospital is $1,649. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,562. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 1.88x the Medicare baseline. Located in 711 W Adams St, Black River Falls, WI.

Cash / Self-Pay

$1,562

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,649

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: $1,562 (178%)

Insurance Median: $1,649 (188%)

Cash: $1,562 (178% of Medicare)

Ins. Median: $1,649 (188% 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	$108 - $5,762	12%
Group Health Cooperative Of Eau Claire	$108 - $6,352	12%
My Choice Wisconsin, Inc.	$108 - $3,339	12%
Quartz Health Solutions, Inc	$108 - $5,959	12%
UnitedHealthcare	$108 - $6,175	12%
Humana	$109 - $6,090	12%
Multiplan	$145 - $6,483	17%
Corvel	$1,028 - $3,994	117%
Security Health Plan	$1,411 - $6,116	161%
The Alliance	$1,432 - $6,286	163%
Triology Health Solutions	$1,516 - $6,221	173%
Medica	$1,574 - $6,116	179%
Association Benefits Solution	$1,601 - $6,221	182%
Family Health Center Of Marshfield	$1,601 - $6,221	182%
First Health Group Corporation	$1,601 - $6,221	182%
Provider Network Of America	$1,601 - $6,221	182%
Cigna	$1,634 - $6,352	186%
Cofinity	$1,634 - $6,352	186%
Coventry Health Care	$1,634 - $6,352	186%
Custom Benefit Administrators	$1,634 - $6,352	186%
Healthpartners, Inc.	$1,634 - $6,352	186%
Wisconsin Physicians Service Insurance Corp	$1,634 - $6,352	186%
Chorus	$1,651 - $6,417	188%

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 $1,562.
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 Black River Memorial 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.