I called yesterday and they said it's $99. I still think that's a load of crap though since I purchased mine less than 30 days ago. There should be some kind of warranty for that short amount of time.
I had the S3 before I got the S5 and didn't have this issue with it. Seems the S5 is more sensitive & protrudes out more. Seems a lot of people are having this issue so I would say it's definitely the device and not the user.
Did you end up calling Samsung? What did they say? Same thing happened to me. I've had a case on it, haven't dropped it and have only had it in my purse and less than 30 days after purchase, the camera glass is shattered.