CMS Price Transparency Data

Bunion correction surgery

Facility: UW Health

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $848
Cash Discount Price: $648
vs. Medicare Baseline: 0.25x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at UW Health is $848. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $648. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.25x the Medicare baseline. Located in 1401 East State Street, Rockford, IL.

Cash / Self-Pay

$648

Average discount available for prompt cash payment at this facility.

Insurance Median

$848

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: $648 (19%)

Insurance Median: $848 (25%)

Cash: $648 (19% of Medicare)

Ins. Median: $848 (25% 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	$419 - $853	13%
Blue Cross Blue Shield	$419 - $1,704	13%
Medicaid / KanCare	$419	13%
Humana	$483 - $848	14%
Medicare (plans)	$483 - $933	14%
Mychoice Wi Medical Adv	$483 - $848	14%
UnitedHealthcare	$483 - $1,480	14%
Cigna	$890 - $1,545	27%
Quartz Fully Insured	$993 - $1,610	30%
Alliance Premier Network	$1,054 - $1,850	32%
Quartz Aso	$1,121 - $1,818	34%
The Alliance	$1,134 - $1,991	34%
Ecoh	$1,149 - $2,279	34%
Hfn	$1,149 - $2,279	34%
Wps	$2,026	61%
Beloit Healt System	$2,350	70%
Workers Comp	$2,451	73%
Mercy Care	$2,837	85%

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 $648.
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 UW Health 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.