CMS Price Transparency Data

Bunion correction surgery

Facility: Trinity Rock Island

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $1,847
Cash Discount Price: $3,404
vs. Medicare Baseline: 0.55x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Trinity Rock Island is $1,847. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,404. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.55x the Medicare baseline. Located in 2701 17Th St, Rock Island, IL.

Cash / Self-Pay

$3,404

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,847

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: $3,404 (102%)

Insurance Median: $1,847 (55%)

Cash: $3,404 (102% of Medicare)

Ins. Median: $1,847 (55% 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	$476 - $9,206	14%
Ambetter / Centene	$476 - $5,412	14%
Blue Cross Blue Shield	$476 - $3,450	14%
Health Alliance	$476 - $3,450	14%
Amerivantage	$499 - $3,551	15%
Humana	$499 - $3,551	15%
Medicare (plans)	$499 - $3,450	15%
Meridian Health Plan	$499 - $3,551	15%
UnitedHealthcare	$499 - $8,515	15%
Health Partners Open Network	$1,012 - $4,713	30%
Wellmark Uph Self-Funded	$1,115 - $2,427	33%
Cigna	$1,262	38%
Bc Illinois Community	$1,551 - $3,179	46%
Iowa Total Care	$2,524	76%

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 $3,404.
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 Trinity Rock Island 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.