CMS Price Transparency Data

Bunion correction surgery

Facility: Phelps Memorial Health Center

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $737
Cash Discount Price: $2,030
vs. Medicare Baseline: 0.22x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Phelps Memorial Health Center is $737. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,030. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.22x the Medicare baseline. Located in 1215 Tibbals St, Holdrege, NE.

Cash / Self-Pay

$2,030

Average discount available for prompt cash payment at this facility.

Insurance Median

$737

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: $2,030 (61%)

Insurance Median: $737 (22%)

Cash: $2,030 (61% of Medicare)

Ins. Median: $737 (22% 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
Blue Cross Blue Shield	$453 - $806	14%
Good Samaritan Mcr Adv - All Plans	$453	14%
Medica Mcr Adv	$453	14%
UnitedHealthcare	$453 - $2,256	14%
Va Ccn - All Plans	$453	14%
Wellcare Mcr Adv - All Plans	$453	14%
Three Rivers - All Plans	$543	16%
Provider Network Of American - All Plans	$679	20%
Aetna	$681 - $2,256	20%
Partners Hlth Alliance - All Plans	$792	24%
6 Degrees Hlth - All Plans	$815	24%
Medica-All Other Plans	$815	24%
Ambetter / Centene	$844	25%
Midwest Ntwrk Alliance - All Plans	$860	26%
Providrs Care/Wppa - All Plans	$896	27%
First Health - All Plans	$2,145	64%
Molina Mcaid - All Plans	$2,256	67%

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 $2,030.
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 Phelps Memorial Health Center 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.