CMS Price Transparency Data

Bunion correction surgery

Facility: Covenant Medical Center

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $4,972
Cash Discount Price: $4,193
vs. Medicare Baseline: 1.49x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Covenant Medical Center is $4,972. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,193. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 1.49x the Medicare baseline. Located in 3615 19Th Street, Lubbock, TX.

Cash / Self-Pay

$4,193

Average discount available for prompt cash payment at this facility.

Insurance Median

$4,972

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: $4,193 (125%)

Insurance Median: $4,972 (149%)

Cash: $4,193 (125% of Medicare)

Ins. Median: $4,972 (149% 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
Phcs	$2,300	69%
Scott And White	$3,212 - $5,321	96%
Aetna	$3,287 - $5,313	98%
Superior Healthplan	$3,451	103%
UnitedHealthcare	$3,468 - $10,128	104%
Blue Cross Blue Shield	$4,188 - $5,803	125%
Covenant Preferred	$5,098	153%
Cigna	$5,769 - $6,381	173%
Capstar	$10,028	300%

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 $4,193.
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 Covenant 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.