CMS Price Transparency Data

Bunion correction surgery

Facility: Guadalupe Regional Medical Center

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $3,084
Cash Discount Price: $9,044
vs. Medicare Baseline: 0.92x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Guadalupe Regional Medical Center is $3,084. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $9,044. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 0.92x the Medicare baseline. Located in 1215 E Court St, Seguin, TX.

Cash / Self-Pay

$9,044

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: $9,044 (271%)

Insurance Median: $3,084 (92%)

Cash: $9,044 (271% 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
Aetna	$806 - $15,375	24%
Christus Exchange Health Plan	$806 - $3,084	24%
Mcr Clover Health	$806 - $3,084	24%
Mcr Texas Independence Health	$806 - $3,084	24%
Mcr Wellcare	$806 - $3,084	24%
Oscar Health Plan	$806 - $3,084	24%
Va Triwest Health Alliance	$806 - $3,084	24%
Blue Cross Blue Shield	$3,148 - $4,127	94%
Superior Hlth Plan Mmcd	$8,140	244%
Healthcare Highways	$13,566	406%
UnitedHealthcare	$13,566	406%
Humana	$15,375	460%
Cigna	$16,280	487%
Texas Mutual Insurance Co	$16,280	487%

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 $9,044.
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 Guadalupe Regional 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.