CMS Price Transparency Data

Bunion correction surgery

Facility: The Queens Medical Center

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $3,923
Cash Discount Price: $10,112
vs. Medicare Baseline: 1.17x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at The Queens Medical Center is $3,923. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $10,112. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 1.17x the Medicare baseline. Located in 1301 Punchbowl St, Honolulu, HI.

Cash / Self-Pay

$10,112

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,923

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: $10,112 (302%)

Insurance Median: $3,923 (117%)

Cash: $10,112 (302% of Medicare)

Ins. Median: $3,923 (117% 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
Alohacare	$258 - $3,846	8%
UnitedHealthcare	$1,550 - $6,107	46%
Hawaii Community Health Alliance	$3,435 - $3,632	103%
Hawaii Mainland Administrators	$3,435 - $3,923	103%
Hawaii Western Management Group	$3,632	109%
Hmsa	$3,846 - $7,576	115%
Kaiser	$3,846 - $10,770	115%
Ohana Care	$3,846	115%
Hawaii Laborers	$4,536	136%
Mdx Hawaii	$4,817	144%
University Health Alliance	$5,191	155%
Seven Corners	$7,116	213%

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 $10,112.
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 The Queens Medical Center 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.