Bunion correction surgery
Facility: Neosho Memorial Regional Medical Center
Billing Code: 28296 (CPT)
- CPT Billing Code: 28296
- Insurance Median: $1,049
- Cash Discount Price: $1,073
- vs. Medicare Baseline: 0.31x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Tricare | $441 | 13% |
| Blue Cross Blue Shield | $911 - $1,430 | 27% |
| Medicare (plans) | $911 | 27% |
| Humana | $911 | 27% |
| Aetna | $911 | 27% |
| Medadv_Uhc | $911 | 27% |
| Va_Ccn | $911 | 27% |
| Medadv_Allwell | $911 | 27% |
| Ambetter / Centene | $957 | 29% |
| Medicaid / KanCare | $1,049 | 31% |
| Wppa_Providrscare | $1,187 | 36% |
| United | $1,190 | 36% |
| Coventry | $1,359 | 41% |
| Cigna | $1,359 | 41% |
| Hpk | $1,359 | 41% |
Consumer Guidance & Cost Commentary
For a bunion correction surgery at Neosho Memorial Regional Medical Center in Chanute, KS, the cash price is $1,073, which is lower than the facility's gross charge of $1,430. While many insurance plans negotiate rates ranging from $911 to $1,359, patients with high-deductible plans might find the cash price more affordable if their insurance allowed amount exceeds this figure. It is important to note that commercial negotiated rates often include administrative overhead and can be significantly higher than the cash rate, so verifying your specific plan's allowed amount before scheduling is essential to avoid unexpected costs.
This facility is a Critical Access Hospital with a government-local ownership structure, and its pricing data is based on a 2026-06 vintage. Although specific county or state average comparisons are not provided in this dataset, the facility's cash rate of $1,073 serves as a baseline for self-pay patients. To ensure you are not overcharged, always request a prompt-pay discount or self-pay rate before check-in, as these upfront fees can reduce the total bill by 20% to 50%. Additionally, if you receive a bill after using insurance, request an itemized audit to identify any errors, unbundled codes, or services not rendered, as over 80% of hospital bills contain discrepancies that can be corrected.