CMS Price Transparency Data

Bunion correction surgery

Facility: Hendricks Regional Health

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $802
Cash Discount Price: $427
vs. Medicare Baseline: 0.24x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Hendricks Regional Health is $802. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $427. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.24x the Medicare baseline. Located in 1000 E Main St, Danville, IN.

Cash / Self-Pay

$427

Average discount available for prompt cash payment at this facility.

Insurance Median

$802

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: $427 (13%)

Insurance Median: $802 (24%)

Cash: $427 (13% of Medicare)

Ins. Median: $802 (24% 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	$479 - $993	14%
Blue Cross Blue Shield	$479 - $794	14%
Humana	$479 - $485	14%
Sagamore Health Incumbent Program	$588	18%
Sagamorehealth Network	$588	18%
Cigna	$655	20%
Medicare (plans)	$810	24%
Siho Commercial Network	$854	26%
UnitedHealthcare	$910	27%
Caresource Exchange	$1,072	32%
Ambetter / Centene	$1,112	33%
Encore Health Network	$1,258	38%
Multiplan	$1,350	40%
Multiplan/ Complementary	$1,350	40%
Multiplan/Beech Street	$1,350	40%

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 $427.
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 Hendricks Regional 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.