CMS Price Transparency Data

Bunion correction surgery

Facility: Helen Newberry Joy Hospital

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $544
Cash Discount Price: $584
vs. Medicare Baseline: 0.16x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Helen Newberry Joy Hospital is $544. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $584. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.16x the Medicare baseline. Located in 502 W Harrie St, Newberry, MI.

Cash / Self-Pay

$584

Average discount available for prompt cash payment at this facility.

Insurance Median

$544

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: $584 (17%)

Insurance Median: $544 (16%)

Cash: $584 (17% of Medicare)

Ins. Median: $544 (16% 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
Uphp Mcaid - All Plans	$229	7%
Va - All Plans	$253	8%
Aetna	$321 - $1,230	10%
Blue Cross Blue Shield	$321 - $1,279	10%
Humana	$321	10%
Mi Health Link - All Plans	$321	10%
Mi Wc - All Plans	$359 - $829	11%
Uphg Tpa - All Plans	$504 - $1,166	15%
First Health - All Plans	$532 - $1,230	16%
Ppom/Cofinity - All Plans	$532 - $1,230	16%
Cigna	$544 - $1,256	16%
Health Alliance - All Plans	$544 - $1,256	16%
Healtheos - All Plans	$544 - $1,256	16%
Priority Health - All Plans	$544 - $1,256	16%
UnitedHealthcare	$544 - $1,256	16%
Vital Core - All Plans	$544 - $1,256	16%

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 $584.
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 Helen Newberry Joy Hospital 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.