CMS Price Transparency Data

Bunion correction surgery

Facility: Fhn Memorial Hospital

Billing Code: 28296 (CPT)

The BaseRate · fair price medium confidence

A fair price for this

$2,600

about 0.8× the $3,343 Medicare rate · typically $569–$3,506

modeled estimate · not a bill or quote

What this hospital charges insurers

$3,506

Above the fair price

about $906 over the fair price · 1.0× Medicare

Medicare pays $3,343 Fair price $2,600 This hospital $3,506 Cash price $2,861 Hospital's list price $3,576

How we calculate the fair BaseRate →

How this hospital compares to other IL hospitals

Highest price of the 9 IL hospitals we have prices for — worth calling around.

Cheapest $483 Priciest $3,506

Black dot = this hospital, among the 9 IL hospitals with a price for this procedure. Full list below.

A fair price for a Bunion correction surgery is about $2,600 (about 0.8× the $3,343 Medicare rate). Fhn Memorial Hospital charges insurers about $3,506, or about $2,861 in cash — above the fair price. Located in Freeport, IL.

This price is above the fair BaseRate — you may be able to pay less

Ask the hospital for the cash / self-pay price, check whether you qualify for financial assistance, or negotiate the bill down toward the fair price of about $2,600. Many patients pay well below the first number they’re quoted — the checklists below walk you through it.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

4 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Humana CignaKaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$558 - $4,509	17%
Blue Cross Blue Shieldmajor	$483 - $3,902	14%
Aetnamajor	$399 - $3,506	12%
Humanamajor	$566 - $4,573	17%
Meridian	$4,723	141%
Quartz	$465 - $3,758	14%
+ 12 smaller / regional plans	$429 - $5,781

Excludes 6 rental-network / third-party entries (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 2,861), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 28296.

Insurance Before you use insurance

Call your insurance company to confirm Fhn Memorial Hospital is in-network.
Ask your insurer whether prior approval is required for CPT code 28296.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at Fhn Memorial Hospital

Compare: Bunion correction surgery at other IL hospitals

Insurance negotiated median for the same procedure, sorted lowest first.