CMS Price Transparency Data

Bunion correction surgery

Facility: Jersey City Medical Center

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $3,821
Cash Discount Price: $5,339
vs. Medicare Baseline: 1.14x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Jersey City Medical Center is $3,821. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $5,339. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 1.14x the Medicare baseline. Located in 355 Grand Street, Jersey City, NJ.

Cash / Self-Pay

$5,339

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,821

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: $5,339 (160%)

Insurance Median: $3,821 (114%)

Cash: $5,339 (160% of Medicare)

Ins. Median: $3,821 (114% 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	$555 - $3,821	17%
Wellpoint	$591 - $3,821	18%
Cigna	$2,577 - $3,448	77%
Aetna	$3,821 - $5,845	114%
Clover Health	$3,821	114%
Fidelis Care	$3,821	114%
Humana	$3,821	114%
UnitedHealthcare	$3,897 - $6,341	117%
Qualcare Inc	$4,148	124%
Emblem Health	$7,260	217%
Wellcare	$7,604	227%

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 $5,339.
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 Jersey City 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.