CMS Price Transparency Data

Bunion correction surgery

Facility: Lakewood Health System

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $769
Cash Discount Price: $1,172
vs. Medicare Baseline: 0.23x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Lakewood Health System is $769. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,172. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.23x the Medicare baseline. Located in 49725 County Road 83, Staples, MN.

Cash / Self-Pay

$1,172

Average discount available for prompt cash payment at this facility.

Insurance Median

$769

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: $1,172 (35%)

Insurance Median: $769 (23%)

Cash: $1,172 (35% of Medicare)

Ins. Median: $769 (23% 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
Ucare Msho/Special Needs	$325 - $779	10%
Blue Cross Blue Shield	$470 - $1,391	14%
Humana	$470 - $764	14%
Ucare Mcr Adv	$470 - $779	14%
UnitedHealthcare	$470 - $1,682	14%
Medica Msho/Mcr Adv	$504	15%
Ucare Individual/Family - All Other Plans	$753 - $869	23%
Medica Choice Care	$861 - $922	26%
Medica Choice/Focus/Ifb/Mhps - All Other Plans	$861	26%
Preferred One Hmo	$955 - $1,796	29%
Preferred One Ppo - All Other Plans	$1,012 - $1,796	30%
Health Partners - All Plans	$1,244 - $1,777	37%

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 $1,172.
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 Lakewood Health System 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.