CMS Price Transparency Data

Bunion correction surgery

Facility: Covenant Medical Center

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $837
Cash Discount Price: $890
vs. Medicare Baseline: 0.25x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Covenant Medical Center is $837. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $890. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.25x the Medicare baseline. Located in 1447 N Harrison, Saginaw, MI.

Cash / Self-Pay

$890

Average discount available for prompt cash payment at this facility.

Insurance Median

$837

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: $890 (27%)

Insurance Median: $837 (25%)

Cash: $890 (27% of Medicare)

Ins. Median: $837 (25% 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
Health Advantage Mclaren Employee	$435 - $572	13%
Priority Health E	$444 - $585	13%
Mclaren Health Advantage	$519 - $977	16%
Physicians Health Plan	$531 - $699	16%
Priority Health	$531 - $3,343	16%
Aetna	$675 - $3,343	20%
Humana	$724 - $3,343	22%
Meritain Health	$739 - $972	22%
Blue Cross Blue Shield	$836 - $3,119	25%
Health Alliance Plan Of Michigan	$836 - $6,452	25%
Healthy Michigan Mclaren	$836 - $1,748	25%
Healthy Michigan Meridian	$836 - $1,748	25%
Healthy Michigan Molina	$836 - $1,748	25%
Healthy Michigan Priority Health	$836 - $1,748	25%
Mclaren Advantage	$836 - $3,343	25%
Molina Healthplan	$836 - $3,343	25%
Physicians Health Plan Advantage/Advantage Plus	$836 - $3,343	25%
Blue Care Network	$837 - $3,343	25%
Multiplan	$869 - $1,144	26%

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 $890.
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 Covenant 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.