CMS Price Transparency Data

Bunion correction surgery

Facility: McLaren Northern Michigan

Billing Code: 28296 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$759

about 0.2× the $3,343 Medicare rate · typically $596–$1,661

modeled estimate · not a bill or quote

What this hospital charges insurers

$596

Below the fair price — a good deal

about $163 under the fair price · 0.2× Medicare

Medicare pays $3,343 Fair price $759 This hospital $596 Cash price $1,951 Hospital's list price $3,902

How we calculate the fair BaseRate →

How this hospital compares to other MI hospitals

A typical price — 1 charge more and 4 charge less, among the 9 MI hospitals compared.

Cheapest $560 Priciest $677

Black dot = this hospital, among the 9 MI 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 $759 (about 0.2× the $3,343 Medicare rate). McLaren Northern Michigan charges insurers about $596, or about $1,951 in cash — below the fair price — a good deal. Located in Petoskey, MI.

What each insurance company pays

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

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

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Humana CignaKaiser 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	$677	20%
Blue Cross Blue Shieldmajor	$837	25%
Aetnamajor	$650	19%
Humanamajor	$471	14%
Priority Health	$753	23%
+ 3 smaller / regional plans	$502 - $542

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 1,951), 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 McLaren Northern Michigan 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 McLaren Northern Michigan

Compare: Bunion correction surgery at other MI hospitals

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