CMS Price Transparency Data

Bunion correction surgery

Facility: St James Hospital

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $748
Cash Discount Price: Unavailable
vs. Medicare Baseline: 0.22x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at St James Hospital is $748. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is unavailable. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.22x the Medicare baseline. Located in 411 Canisteo Street, Hornell, NY.

Cash / Self-Pay

Unavailable

Average discount available for prompt cash payment at this facility.

Insurance Median

$748

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%)

Insurance Median: $748 (22%)

Ins. Median: $748 (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	$240 - $9,779	7%
Medicaid / KanCare	$245 - $816	7%
Fidelis 5155	$379 - $755	11%
Aetna	$424 - $4,374	13%
Excellus 2201	$424 - $846	13%
Medicare (plans)	$424 - $4,812	13%
Mvp 2900	$449 - $9,497	13%
UnitedHealthcare	$449 - $4,374	13%
Cigna	$619 - $9,838	19%
Capital District Physicians Health Plan (Cdphp) 5149	$1,260 - $2,163	38%
Humana	$4,374	131%
Empire Plan 5179	$9,230	276%

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 $X.
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 St James Hospital 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.