CMS Price Transparency Data

Bunion correction surgery

Facility: Montrose Regional Health

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $1,302
Cash Discount Price: $1,116
vs. Medicare Baseline: 0.39x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Montrose Regional Health is $1,302. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,116. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.39x the Medicare baseline. Located in 800 S 3Rd St, Montrose, CO.

Cash / Self-Pay

$1,116

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,302

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$3,342.87

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $3,342.87 (100%)

Cash / Self-Pay: $1,116 (33%)

Insurance Median: $1,302 (39%)

Cash: $1,116 (33% of Medicare)

Ins. Median: $1,302 (39% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $3,342.87 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	$494 - $1,399	15%
Humana	$494 - $1,265	15%
Medicare (plans)	$494	15%
UnitedHealthcare	$797	24%
United Rocky Mountain Chp-All Other Plans	$814	24%
United Rocky Mountain Private Plan	$824	25%
United Rocky Mountain Self Insured	$824	25%
Three Rivers-All Plans	$1,339	40%
Western Healthcare Alliance-All Plans	$1,339	40%
Cigna	$1,414	42%
Multiplan-All Plans	$1,414	42%
Uchpa - All Plans	$1,414	42%
United Rocky Mountain Mcaid	$1,488	45%
Sloans Lake Managed Care-All Plans	$1,538	46%

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 $1,116.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 28296.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Montrose Regional Health is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 28296.
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.