CMS Price Transparency Data

Bunion correction surgery

Facility: Mosaic Life Care at St Joseph

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $674
Cash Discount Price: $1,050
vs. Medicare Baseline: 0.20x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Mosaic Life Care at St Joseph is $674. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,050. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.20x the Medicare baseline. Located in 5325 Faraon Street, Saint Joseph, MO.

Cash / Self-Pay

$1,050

Average discount available for prompt cash payment at this facility.

Insurance Median

$674

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: $1,050 (31%)

Insurance Median: $674 (20%)

Cash: $1,050 (31% of Medicare)

Ins. Median: $674 (20% 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
UnitedHealthcare	$120 - $3,270	4%
Aetna	$380 - $3,270	11%
Medicaid / KanCare	$380 - $1,049	11%
Blue Cross Blue Shield	$477 - $3,270	14%
Amerigroup Of Iowa	$629	19%
Iowa Total Care	$629	19%
Molina Of Iowa	$629	19%
Centurion	$864	26%
Ambetter / Centene	$906 - $6,212	27%
Geha Shared Services	$1,003	30%
Freedom Select Healthlink	$1,060	32%
Healthlink Open Access	$1,060	32%
Preferred Health Professional	$1,060	32%
Sisco	$1,060	32%
Cigna	$1,087	33%
Multiplan	$2,268	68%

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 $1,050.
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 Mosaic Life Care at St Joseph 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.