CMS Price Transparency Data

Bunion correction surgery

Facility: HCA Florida Putnam Hospital

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $5,474
Cash Discount Price: Unavailable
vs. Medicare Baseline: 1.64x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at HCA Florida Putnam Hospital is $5,474. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is unavailable. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 1.64x the Medicare baseline. Located in 611 Zeagler Dr, Palatka, FL.

Cash / Self-Pay

Unavailable

Average discount available for prompt cash payment at this facility.

Insurance Median

$5,474

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%)

Insurance Median: $5,474 (164%)

Ins. Median: $5,474 (164% 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
Corvel Corporation	$2,127 - $5,200	64%
Prime Health	$2,172 - $5,309	65%
Careworks (Rockport Community)	$2,239 - $5,474	67%
Molina Healthcare	$3,950 - $6,243	118%
Simply	$3,950	118%
Blue Cross Blue Shield	$3,978 - $8,714	119%
Evolutions	$4,121	123%
Cigna	$4,207 - $10,061	126%
Sunshine State Health Plan	$6,641	199%
Simply Healthcare	$7,432	222%
Oscar	$8,062	241%
United	$12,040	360%
Ultimate Health Plan	$12,500	374%
Avmed	$13,947 - $15,319	417%

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 $X.
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 HCA Florida Putnam 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.