CMS Price Transparency Data

Bunion correction surgery

Facility: Methodist Fremont Health

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $4,934
Cash Discount Price: $2,175
vs. Medicare Baseline: 1.48x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Methodist Fremont Health is $4,934. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,175. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 1.48x the Medicare baseline. Located in 450 East 23Rd St, Fremont, NE.

Cash / Self-Pay

$2,175

Average discount available for prompt cash payment at this facility.

Insurance Median

$4,934

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: $2,175 (65%)

Insurance Median: $4,934 (148%)

Cash: $2,175 (65% of Medicare)

Ins. Median: $4,934 (148% 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
Elevate By Medica	$2,464 - $2,826	74%
Alliance Nhn	$3,187 - $3,654	95%
Aetna	$3,581 - $6,028	107%
Blue Cross Blue Shield	$3,581 - $5,620	107%
Humana	$3,581	107%
Medica	$3,581	107%
Medicare (plans)	$3,581 - $3,652	107%
UnitedHealthcare	$3,581 - $5,657	107%
Ne Furniture Mart	$4,545 - $5,212	136%
Medica Choice	$4,819 - $5,526	144%
Multiplan	$4,928 - $5,651	147%
Midlands Choice	$5,147 - $5,902	154%
Ambetter / Centene	$7,412	222%
Elite Choice	$7,423	222%

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 $2,175.
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 Methodist Fremont Health 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.