CMS Price Transparency Data

Bunion correction surgery

Facility: Gunnison Valley Hospital

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $1,687
Cash Discount Price: $2,049
vs. Medicare Baseline: 0.50x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Gunnison Valley Hospital is $1,687. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,049. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.50x the Medicare baseline. Located in 711 N Taylor St, Gunnison, CO.

Cash / Self-Pay

$2,049

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,687

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: $2,049 (61%)

Insurance Median: $1,687 (50%)

Cash: $2,049 (61% of Medicare)

Ins. Median: $1,687 (50% 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
Medicaid / KanCare	$432	13%
Medicare (plans)	$517	15%
Aetna	$750	22%
Apostrophe-All Plans	$854	26%
Cigna	$854	26%
Gunnison County Sheriff Op & Profee Only	$1,237	37%
Ebms Hdhp	$1,446	43%
Tetwp Op & Profee Only-All Plans	$1,446	43%
U Of Co Transplant-All Plans	$1,446	43%
Ebms Ppo Plan-All Other Plans	$1,687	50%
Gunnison County Employees-All Other Plans	$1,928	58%
Scottish Rites-All Plans	$1,928	58%
Elap Employers-All Plans	$2,048	61%
Blue Cross Blue Shield	$2,113	63%
Multiplan-All Plans	$2,169	65%
Rocky Mountain Health-All Plans	$2,290	69%
UnitedHealthcare	$2,290	69%
Cofinity-All Plans	$2,314	69%

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 $2,049.
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 Gunnison Valley Hospital 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.