CMS Price Transparency Data

Bunion correction surgery

Facility: Cheshire Medical Center

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $2,930
Cash Discount Price: $1,808
vs. Medicare Baseline: 0.88x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Cheshire Medical Center is $2,930. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,808. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.88x the Medicare baseline. Located in 580 Court Street, Keene, NH.

Cash / Self-Pay

$1,808

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,930

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: $1,808 (54%)

Insurance Median: $2,930 (88%)

Cash: $1,808 (54% of Medicare)

Ins. Median: $2,930 (88% 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
Aetna	$318 - $4,480	10%
Ambetter / Centene	$363 - $3,014	11%
Blue Cross Blue Shield	$363 - $11,003	11%
Cigna	$363 - $6,053	11%
Martin'S Point Generations Advantage	$363 - $3,390	11%
Martin'S Point Health Care	$363 - $3,390	11%
Mvp	$363 - $6,053	11%
UnitedHealthcare	$363 - $6,110	11%
Wellcare Health Plans	$363 - $3,390	11%
Wellsense Health Plan	$363 - $3,628	11%
Amerihealth Caritas Nh	$373 - $802	11%
Granite State Health Plan	$373 - $1,094	11%
Tufts Health Plan	$1,393 - $4,181	42%
Harvard Pilgrim Health Care Of Ne	$1,395 - $6,372	42%
Mass General Brigham Health Plan	$2,287 - $6,550	68%
Maine Community Health Options	$2,948	88%
First Health/Hcvm	$5,568	167%
Phcs	$5,895	176%

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 $1,808.
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 Cheshire Medical 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.