CMS Price Transparency Data

Bunion correction surgery

Facility: Saint Joseph Regional Medical Center

Billing Code: 28296 (CPT)

The BaseRate · fair price low confidence

A fair price for this

$3,130

about 0.9× the $3,343 Medicare rate · typically $725–$6,688

modeled estimate · not a bill or quote

What this hospital charges insurers

$5,193

Above the fair price

about $2,063 over the fair price · 1.6× Medicare

Medicare pays $3,343 Fair price $3,130 This hospital $5,193 Cash price $20,113

How we calculate the fair BaseRate →

How this hospital compares to other IN hospitals

Highest price of the 9 IN hospitals we have prices for — worth calling around.

Cheapest $466 Priciest $5,193

Black dot = this hospital, among the 9 IN hospitals with a price for this procedure. Full list below.

⚠ The cash price looks unusually high next to the insurance price — it may be the full list price, not a real cash discount. Call to confirm the self-pay rate.

A fair price for a Bunion correction surgery is about $3,130 (about 0.9× the $3,343 Medicare rate). Saint Joseph Regional Medical Center charges insurers about $5,193, or about $20,113 in cash — above the fair price. Located in Mishawaka, IN.

This price is above the fair BaseRate — you may be able to pay less

Ask the hospital for the cash / self-pay price, check whether you qualify for financial assistance, or negotiate the bill down toward the fair price of about $3,130. Many patients pay well below the first number they’re quoted — the checklists below walk you through it.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

3 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna CignaHumanaKaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$1,792 - $3,460	54%
Blue Cross Blue Shieldmajor	$1,792 - $12,222	54%
Aetnamajor	$1,792 - $5,366	54%
CareSource	$5,366	161%
Meridian	$3,462	104%
+ 14 smaller / regional plans	$1,905 - $12,222

Government programs also on file: Medicare, Medicaid.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 20,113), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 28296.

Insurance Before you use insurance

Call your insurance company to confirm Saint Joseph Regional Medical Center is in-network.
Ask your insurer whether prior approval is required for CPT code 28296.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at Saint Joseph Regional Medical Center

Compare: Bunion correction surgery at other IN hospitals

Insurance negotiated median for the same procedure, sorted lowest first.