CMS Price Transparency Data

Bunion correction surgery

Facility: North Texas Medical Center

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $3,084
Cash Discount Price: $320
vs. Medicare Baseline: 0.92x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at North Texas Medical Center is $3,084. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $320. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.92x the Medicare baseline. Located in 1900 Hospital Blvd, Gainesville, TX.

Cash / Self-Pay

$320

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,084

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: $320 (10%)

Insurance Median: $3,084 (92%)

Cash: $320 (10% of Medicare)

Ins. Median: $3,084 (92% 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
Cigna	$512	15%
Blue Cross Blue Shield	$641 - $3,084	19%
First Health	$769	23%
Healthcare Highways	$769	23%
Aetna	$794 - $3,084	24%
Multiplan	$897	27%
Provider Select	$1,089	33%
Prime Health	$1,153 - $3,084	34%
UnitedHealthcare	$1,179 - $3,084	35%
90 Degree Benefits	$3,084	92%
Humana	$3,084	92%
Molina	$3,084 - $3,392	92%
Prominence Health	$3,084 - $3,238	92%
Superior	$3,084 - $3,392	92%
Wellmed	$3,084	92%
Wellpoint	$3,084	92%
Providers Partners Health Plan	$3,238	97%

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 $320.
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 North Texas 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.