CMS Price Transparency Data

Sleep study (overnight, in lab)

Facility: Bellin Health Oconto Hospital

Billing Code: 95810 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 95810
Insurance Median: $2,907
Cash Discount Price: $2,590
vs. Medicare Baseline: 3.31x Medicare

The contracted insurance negotiated median rate for a Sleep study (overnight, in lab) at Bellin Health Oconto Hospital is $2,907. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,590. Compared to the federal Medicare reimbursement reference rate of $877.34, this hospital’s rate is 3.31x the Medicare baseline. Located in 820 Arbutus Ave, Oconto, WI.

Cash / Self-Pay

$2,590

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,907

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: $2,590 (295%)

Insurance Median: $2,907 (331%)

Cash: $2,590 (295% of Medicare)

Ins. Median: $2,907 (331% 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 331% of the Medicare baseline (a markup of 231%). 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
Blue Cross Blue Shield	$1,355 - $2,913	154%
Community Care	$1,355	154%
Humana	$1,355	154%
My Choice	$1,355	154%
Network Health	$1,355 - $3,387	154%
UnitedHealthcare	$1,634 - $2,786	186%
Aetna	$1,992	227%
Cigna	$2,817 - $2,865	321%
Common Ground	$2,900 - $2,982	331%
Chorus Community Health Plan	$2,989	341%
Aspirus Arise	$3,119	356%
Healthsmart	$3,188	363%
Ihs(Claimsbridge)	$3,188	363%
Medical College Of Wi	$3,188	363%
Hps/Paymedix	$3,268 - $3,547	372%
Wps Insurance	$3,346	381%
Allied National	$3,387	386%
First Health	$3,387	386%
Galaxy Health	$3,387	386%
Three Rivers Provider Network	$3,586	409%
Trilogy	$3,586	409%

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 $2,590.
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 Bellin Health Oconto 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.