CMS Price Transparency Data

Bunion correction surgery

Facility: Fhn Memorial Hospital

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $3,083
Cash Discount Price: $2,861
vs. Medicare Baseline: 0.92x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Fhn Memorial Hospital is $3,083. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,861. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.92x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$2,861

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,083

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: $2,861 (86%)

Insurance Median: $3,083 (92%)

Cash: $2,861 (86% of Medicare)

Ins. Median: $3,083 (92% 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
Aetna	$399 - $3,506	12%
The Alliance - All Plans	$429 - $3,466	13%
Ecoh Nihp	$451 - $3,642	13%
Nihp Employ - All Plans	$451 - $3,642	13%
Quartz - All Other Plans	$465 - $3,758	14%
Blue Cross Blue Shield	$483 - $3,902	14%
Ecoh - All Other Plans	$487 - $3,931	15%
Northern Il Hp - All Plans	$494 - $3,989	15%
First Health - All Plans	$503 - $4,064	15%
UnitedHealthcare	$558 - $4,509	17%
Humana	$566 - $4,573	17%
Hfn - All Plans	$587 - $4,740	18%
First Choice Il - All Plans	$609 - $4,914	18%
Multiplan Phcs - All Plans	$609 - $4,914	18%
Wps - All Plans	$626 - $5,053	19%
Galaxy - All Plans	$644 - $5,203	19%
Health Alliance - All Other Plans	$644 - $5,203	19%
Interplan Health - All Plans	$644 - $5,203	19%
Preferred Plan Ppo - All Plans	$644 - $5,203	19%
Trustmark - All Plans	$659 - $5,319	20%
Midland Choice - All Plans	$680 - $5,492	20%
Osf Healthplans - All Plans	$716 - $5,781	21%
Health Alliance Mcr Adv	$3,506	105%
Quartz Mcr Adv	$3,506	105%
Meridian Health Plan - All Plans	$4,723	141%

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 $2,861.
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 Fhn Memorial 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.