CMS Price Transparency Data

Bunion correction surgery

Facility: Kirby Medical Center

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $483
Cash Discount Price: $2,295
vs. Medicare Baseline: 0.14x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Kirby Medical Center is $483. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,295. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.14x the Medicare baseline. Located in 1000 Medical Center Drive, Monticello, IL.

Cash / Self-Pay

$2,295

Average discount available for prompt cash payment at this facility.

Insurance Median

$483

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: $2,295 (69%)

Insurance Median: $483 (14%)

Cash: $2,295 (69% of Medicare)

Ins. Median: $483 (14% 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
Blue Cross Blue Shield	$387 - $483	12%
Aetna	$408 - $705	12%
Meridian	$408 - $483	12%
Molina	$428 - $498	13%
UnitedHealthcare	$483 - $600	14%
Wellcare	$483	14%
Zelis (Hfn)	$604	18%
Humana	$685	20%
Catepillar, Inc.	$967	29%
Healthlink	$3,442	103%
Multiplan/Phcs	$3,442	103%

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 $2,295.
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 Kirby Medical Center 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.