CMS Price Transparency Data

Bunion correction surgery

Facility: Morris Hospital & Healthcare Centers

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $3,198
Cash Discount Price: $962
vs. Medicare Baseline: 0.96x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Morris Hospital & Healthcare Centers is $3,198. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $962. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.96x the Medicare baseline. Located in 150 W High St, Morris, IL.

Cash / Self-Pay

$962

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,198

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: $962 (29%)

Insurance Median: $3,198 (96%)

Cash: $962 (29% of Medicare)

Ins. Median: $3,198 (96% 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
Capp Care Ppo-Oth	$1,559	47%
Blue Cross Blue Shield	$1,727 - $1,919	52%
Caterpillar - All Plans	$1,799	54%
Aetna	$2,454 - $3,576	73%
Ambetter / Centene	$2,798	84%
UnitedHealthcare	$2,918 - $3,506	87%
Choicecare Hum Othr - All Other Plans	$3,198	96%
Multiplan - All Other Plans	$3,198	96%
Multiplan Prime Ntwrk	$3,198	96%
Health Alliance - All Other Plans	$3,397	102%
Hfn All Plans - All Plans	$3,397	102%
Choicecare Hum Mcr Ppo	$3,506	105%
Health Alliance Mcr Adv	$3,612	108%

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 $962.
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 Morris Hospital & Healthcare Centers 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.