Bunion correction surgery
Facility: Morristown Medical Center
Billing Code: 28296 (CPT)
- CPT Billing Code: 28296
- Insurance Median: $8,289
- Cash Discount Price: $9,989
- vs. Medicare Baseline: 2.48x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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.
Elevated Commercial Rate Alert (Value-Gap)
The negotiated rate at this facility is 248% of the Medicare baseline (a markup of 148%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Wtc Health Program [5273] | $1,032 | 31% |
| Horizon Nj Health [5021] | $3,074 | 92% |
| Amerihealth [5008] | $5,253 - $6,049 | 157% |
| Health Net [5137] | $8,289 | 248% |
| Tricare | $8,289 | 248% |
| Mutual of Omaha [5195] | $8,289 | 248% |
| Karen Ann Quinlan [5285] | $8,289 | 248% |
| Kessler Institute for Rehab [5166] | $8,289 | 248% |
| Specialty Imaging [5433] | $8,289 | 248% |
| Claimdoc [5434] | $8,289 | 248% |
| Generic No Fault [5017] | $8,289 | 248% |
| Ghi Emblem Health [5122] | $8,289 | 248% |
| Generic Commercial [5015] | $8,289 | 248% |
| Highmark Wholecare Health Plan Ip Splits [5464] | $8,289 | 248% |
| Bankers Life & Casualty Supplemental [5058] | $8,289 | 248% |
| Highmark Wholecare Health Plan [5413] | $8,289 | 248% |
| Continental Casualty [5093] | $8,289 | 248% |
| Concern Non Employee [5086] | $8,289 | 248% |
| Out of Country Insurance Plan [5215] | $8,289 | 248% |
| Work Med [5271] | $8,289 | 248% |
| Sedgwick Wtc Health Program Wc [5514] | $8,289 | 248% |
| Cosmetic Surgery/Lap Band/Gastric Bypass [5289] | $8,289 | 248% |
| Runnells Specialized Hospital [5233] | $8,289 | 248% |
| Amerihealth Administrators Supplemental [5512] | $8,289 | 248% |
| Ambetter / Centene | $8,289 | 248% |
| Bollinger [5065] | $8,289 | 248% |
| Medicare (plans) | $8,289 - $8,579 | 248% |
| Fairos [5491] | $8,289 | 248% |
| Champva [5354] | $8,289 | 248% |
| Wellcare Health Plans [5269] | $8,289 | 248% |
| Blue Cross Blue Shield | $8,289 | 248% |
| UPMC [5455] | $8,289 | 248% |
| Wellcare Behavioral Health [5335] | $8,289 | 248% |
| Medicaid / KanCare | $8,289 | 248% |
| Luminare Health AHS Retiree [5013] | $8,289 | 248% |
| Claim Watcher/Homestead [5488] | $8,289 | 248% |
| Cigna | $8,289 | 248% |
| The Health Plan [5451] | $8,289 | 248% |
| Us Family Health Plan [5258] | $8,289 | 248% |
| Aetna | $8,289 - $11,605 | 248% |
| Wellcare Health Plans Ip Splits [5475] | $8,289 | 248% |
| Chubb Health [5073] | $8,289 | 248% |
| Magellan [5176] | $8,289 | 248% |
| VA Community Care Network [5403] | $8,289 | 248% |
| Amerihealth Medigap [5049] | $8,289 | 248% |
| Amerihealth Caritas Vip Care Ip Splits [5460] | $8,372 | 250% |
| Amerihealth Caritas Vip Care [5313] | $8,372 | 250% |
| Kindred Giralda Hospital [5341] | $9,118 | 273% |