CMS Price Transparency Data

Bunion correction surgery

Facility: Baylor Scott & White Medical Center -Taylor

Billing Code: 28296 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 28296
Insurance Median: $3,894
Cash Discount Price: $4,740
vs. Medicare Baseline: 1.16x Medicare

The contracted insurance negotiated median rate for a Bunion correction surgery at Baylor Scott & White Medical Center -Taylor is $3,894. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,740. Compared to the federal Medicare reimbursement reference rate of $3,342.87, this hospital’s rate is 1.16x the Medicare baseline. Located in 305 Mallard, Taylor, TX.

Cash / Self-Pay

$4,740

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,894

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: $4,740 (142%)

Insurance Median: $3,894 (116%)

Cash: $4,740 (142% of Medicare)

Ins. Median: $3,894 (116% 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
Baylor Scott & White Health Plan	$1,576 - $3,381	47%
Triwest	$1,659	50%
Corvel	$1,738	52%
Prime Health Services	$1,738	52%
American Health Plan	$1,742	52%
Blue Cross Blue Shield	$1,742	52%
Healthspring	$1,742	52%
Procare Advantage	$1,742	52%
Superior Health Plan	$1,742	52%
Careworks Fka Rockport	$2,062	62%
Injury Management Organization	$2,062	62%
Sedgwick	$2,062	62%
UnitedHealthcare	$3,894	116%
Cigna	$4,060 - $4,763	121%
Midcoast	$4,345	130%
Quiktrip	$4,345	130%
University Of Mary Hardin-Baylor	$4,582	137%
Independent Medical System	$4,740	142%
Curative	$5,135	154%
First Health	$5,530	165%
Humana	$5,530 - $5,670	165%
Healthsmart	$5,925 - $7,306	177%
Private Health Care System	$5,925	177%
Bluebell Creameries	$6,320	189%
Three Rivers	$6,320	189%
Aetna	$8,360	250%

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 $4,740.
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 Baylor Scott & White Medical Center -Taylor 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.