8/18/2023 0 Comments Night owl sleep study cost![]() ![]() Alternatives to an overnight in-center sleep study Out-of-center sleep apnea test, aka home sleep test (HST) We have a full list of all of the insurance plans and medical groups that we are contracted with for all services. You should ask the sleep center to verify your insurance and give you an estimate of your financial responsibility. Be very clear and ask for a clear answer. Or you can search online for local sleep centers ( here’s a listing site) and contact them to find out if they are contracted with your insurance. You can also choose facility and search “sleep”. Search for “sleep center” or “sleep lab” and make sure to choose the “facility” option. You can always call your insurance company to ask (good luck) or check their member services portal online. How to find a contracted sleep study provider ![]() Just keep in mind that all of these expenses will get you closer to meeting your deductible, the point where your insurance will really kick-in and reduce your out-of-pocket expenses. We talk more about follow-up expenses later in the post. You may need additional sleep studies or a CPAP (which requires regular replacement of supplies). You should also keep in mind that there may be additional expenses down the road if you are diagnosed with sleep apnea. We see typical in-network co-pays are around 20% and end up as a $100-200 charge for the patient (here’s a link to our Guide to Understanding Your Health Insurance). out-of-network provider as in-network coverage could be 80-100% while out-of-network coverage is 50% or none at all. Again, be sure to find out the difference between coverage for an in-network vs. If you’ve met your deductible, your insurance will pay for a covered service, but may not pay 100%. So while you have coverage for the service, you have to pay out-of-pocket until you meet that deductible. For many patients, deductibles can be as high as $2,000 to $4,000 or more. You’ll need to know if you have a deductible to meet before your insurance coverage kicks in. We’ve devoted an entire post to this topic here. For you, this could mean the difference between paying $150 and $1,200 for the same procedure. one who will “accept” your insurance but isn’t contracted. There’s a big difference between the price you’ll pay for going to a contracted or in-network provider vs. So it’s important to understand your coverage. Your insurance company will contract for services with providers at greatly reduced rates. The rate you pay for your sleep study depends on the relationship between the sleep center and your insurance company (if you don’t have insurance or elect to pay a cash rate, you can expect to pay anywhere from $700-$3,000 for your in-center study). What you need to know about health insurance coverage for sleep studies Here’s a great site where you can search average costs for medical procedures in each state. If you have insurance coverage, you choose an in-network provider and you have met your deductible, your financial responsibility may be $0-$50. That’s the average we see (again, read more about deductibles and more below).įor out-of-center of in-home sleep testing (HST), the base rate ranges from $300-$600. If you have insurance coverage, you choose an in-network provider and you have met your deductible, your financial responsibility may be $0-$150. Most health insurance plans include coverage for sleep studies with certain providers (see the next section below).Īn in-center sleep study price tag can range from $500-$3,000. There’s a big price range depending on the type of sleep study ( in-home or in-center), the type of center (do they bill separately for the study and its interpretation?) and your insurance. Sleep studies don’t have to be expensive. We’re here to help answer your questions. Have you ever been confused about your insurance coverage for a service that you really needed?įiguring out the price and your financial responsibility for a sleep study can be a challenge. Have you ever postponed a procedure because you weren’t sure what it would cost you? Have you ever been surprised by a huge medical bill when you thought you were covered? Has your doctor ordered a test, medication or specialist visit but can’t tell you what it’s going to cost? ![]()
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