CMS Price Transparency Data

Bunion correction surgery

Facility: Memorial Healthcare System, Inc

Billing Code: 28296 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$3,360

about 1.0× the $3,343 Medicare rate · typically $2,112–$3,539

modeled estimate · not a bill or quote

What this hospital charges insurers

$2,819

Below the fair price — a good deal

about $541 under the fair price · 0.8× Medicare

Medicare pays $3,343 Fair price $3,360 This hospital $2,819

How we calculate the fair BaseRate →

How this hospital compares to other TN hospitals

Highest price of the 9 TN hospitals we have prices for — worth calling around.

Cheapest $846 Priciest $2,819

Black dot = this hospital, among the 9 TN hospitals with a price for this procedure. Full list below.

A fair price for a Bunion correction surgery is about $3,360 (about 1.0× the $3,343 Medicare rate). Memorial Healthcare System, Inc charges insurers about $2,819 — below the fair price — a good deal. Located in Chattanooga, TN.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

4 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Cigna✓ Humana AetnaKaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$2,980 - $4,738	89%
Blue Cross Blue Shieldmajor	$167 - $3,023	5%
Cignamajor	$1,993 - $3,052	60%
Humanamajor	$2,519 - $3,197	75%
Ambetter (Centene)	$5,464	163%
Amerigroup	$512 - $3,110	15%
Health Net	$2,005	60%
+ 2 smaller / regional plans	$1,922 - $2,694

Excludes 1 rental-network / third-party entry (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price, before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 28296.

Insurance Before you use insurance

Call your insurance company to confirm Memorial Healthcare System, Inc is in-network.
Ask your insurer whether prior approval is required for CPT code 28296.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at Memorial Healthcare System, Inc

Compare: Bunion correction surgery at other TN hospitals

Williamson Medical Center · Franklin $846
Erlanger Medical Center · Chattanooga $1,170
Dekalb Community Hospital · Smithville $1,509
Saint Thomas Highlands Hospital · Sparta $1,509
Stones River Hospital · Woodbury $1,535
Saint Thomas Hickman Hospital · Centerville $1,535
Saint Thomas Rutherford Hospital · Murfreesboro $1,706
Ascension Saint Thomas Hospital · Nashville $1,706

Insurance negotiated median for the same procedure, sorted lowest first.