ACL Surgery Cost in Montana (2026): Average Prices & What You'll Pay
What does a acl surgery cost in Montana?
Where you have an acl surgery done in Montana swings the bill from $2,518 to $7,243 for identical care. The median cash price across 21 reporting hospitals is $5,006. The numbers are pulled directly from federally mandated hospital price transparency files. The sections below break this down by coverage and by insurer.
Once you have a bill or an appointment on the calendar, CostKits can help you keep it all organized.
Where acl surgery costs vary in Montana
Pins show hospitals with price-transparency data (colored by vs. state average) and nearby ambulatory surgery centers and other facilities (colored by type). Click any pin for facility name and estimated cost range.
26+ people checked prices near them this month.
What you pay for a acl surgery depends on where you go and what is billed separately. Most patients find out after.
Your personalized cost report includes:
- ✓ Type of graft: The source of the graft, from your own tissue or a donor, affects the supplies and the bill.
- ✓ Surgery center or hospital: Facility fees differ between settings.
- ✓ Which bills usually arrive separately, and which providers to check are in-network
- ✓ The questions to ask before you schedule, so the estimate covers everything
- ✓ A real patient billing breakdown, line by line
Free for patients - takes 30 seconds to get.
We'll send a sign-in link to your email - click it to get your guide. No account required, no spam.
Cheapest ACL Surgery Providers in Montana
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs median ($5,006) |
|---|---|---|---|---|
| 1 | MADISON VALLEY HOSPITAL INC | Ennis, MT | $1,563 | $3,443 below |
| 2 | Sidney Health Center | Sidney, MT | $2,073 | $2,933 below |
| 3 | Barrett Hospital Development Corporation | MT | $2,129 | $2,877 below |
| 4 | HOLY ROSARY HEALTHCARE DBA INTERMOUNTAIN HEALTH HOLY ROSARY HOSPITAL | MT | $2,331 | $2,675 below |
| 5 | CENTRAL MONTANA MEDICAL FACILITIES LLC | MT | $2,954 | $2,052 below |
| 6 | Bitterroot Health - Daly Hospital | Hamilton, MT | $2,962 | $2,044 below |
| 7 | COMMUNITY HOSPITAL OF ANACONDA | MT | $3,022 | $1,984 below |
| 8 | FRANCES MAHON DEACONESS HOSPITAL | MT | $4,496 | $510 below |
Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
Before you book: three questions that change the price
- Is this the self-pay price, and does it include the doctor, anesthesia and any lab or pathology? Those are often billed separately.
- Can you give me the price in writing, with the billing codes it covers?
- What happens to the price if something extra is needed during the procedure?
Estimate your out-of-pocket cost → · When the bills arrive, we check them for errors →
Quick take
- MADISON VALLEY HOSPITAL INC is the lowest-cost option at $1,563 - $3,443 below the median posted price ($5,006), just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $5,006, and it's often lower than what insurance pays before your deductible is satisfied.
- Freestanding ambulatory surgical centers (ASCs) are often 30-60% cheaper than hospital outpatient departments for the same procedure and may not appear in this hospital-only dataset - ask your doctor if one is an option.
| Coverage | Hospitals with a rate | Typical range | Median |
|---|---|---|---|
| Medicare (national rate) | — | $7,413 to $7,413 | $7,413 |
| With insurance (commercial, average) | 8 | $1,110 to $17,327 | $10,739 |
| Without insurance (cash price) | 20 | $1,561 to $18,519 | $5,006 |
| Blue Cross and Blue Shield of Montana | 4 | $1,848 to $15,956 | $8,766 |
Rates are negotiated allowed amounts and cash prices from hospital price-transparency files (October 2026), shown at each hospital’s lowest-priced typical billing code for this procedure. Facility fees only. The typical range is the middle 80% of hospitals, not a quote for your visit.
How much does an ACL Surgery cost with Medicare in Montana?
Medicare's national hospital outpatient payment for ACL Surgery is about $7,413 to $7,413 (typically near $7,413). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $1,483 on a $7,413 payment, with no out-of-pocket cap unless you have supplemental coverage or a Medicare Advantage plan.
Doctor, anesthesia and pathology fees are billed separately. Medicare rates are national CMS amounts, adjusted slightly by local wage levels.
How much does an ACL Surgery cost with insurance in Montana?
Across 8 Montana hospitals, the negotiated rates commercial insurers pay for ACL Surgery average $1,110 to $17,327 per hospital, with a median near $10,739. That is the amount your plan and you pay the hospital together; you owe your deductible, then coinsurance, up to your out-of-pocket maximum.
Each hospital’s figure is the average of the commercial insurers it lists. Medicare, Medicare Advantage and Medicaid rates are excluded.
How much does an ACL Surgery cost without insurance in Montana?
Cash (self-pay) prices for ACL Surgery at 20 Montana hospitals range from $1,561 to $18,519, with a median of $5,006. Ask for the cash or self-pay price and for any financial-assistance discount before you book; both can be lower than the posted price.
Cash prices are the hospital’s published discounted rate for patients paying without insurance.
How much does an ACL Surgery cost with Blue Cross and Blue Shield of Montana?
Blue Cross and Blue Shield of Montana negotiated rates for ACL Surgery at 4 Montana hospitals range from $1,848 to $15,956, with a median near $8,766. Your own cost depends on your plan’s deductible and coinsurance, and on whether the hospital is in your network.
Includes Blue Cross and Blue Shield and Anthem plans listed by each hospital.
How where you go changes what you pay for acl surgery
The same acl surgery bundles different services depending on the setting - facility fee, surgeon fee, and anesthesia each arrive as separate bills. Estimated ranges below reflect the typical full bundled cost, including all expected charges.
- Facility fee $416–$66,146
- Professional fee $1,458–$3,888
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $2,962–$66,146
- Professional fee $1,458–$3,888
Estimated from CMS fee schedules + commercial rate multipliers
CommonSpirit Health (formerly SCL Health) and RiverStone Health cover most of Montana's population. The state's vast geography means most residents have little or no practical alternative to their nearest facility, effectively eliminating competitive pricing pressure outside Billings and Missoula. Critical access hospitals are widespread and use cost-based reimbursement for Medicare.
Received a bill? Check it for errors → Estimate YOUR cost before you go → Managing more than one bill? See the family tracker →
Why prices vary - and what it means for your coverage
A small number of hospitals (4) report prices above $15,182, including Glendive Medical Center at $33,591, which drives most of the overall spread - excluding them, most facilities cluster in a much tighter band. Setting matters too: the median outpatient price is $5,006 versus $20,194 inpatient (about 4× more), so where a procedure happens often matters more than which hospital you pick. Setting drives most of the spread here: an ambulatory surgical center (ASC) is usually meaningfully cheaper than a hospital operating room for the same procedure, when your case qualifies.
None of the prices above are what you'll necessarily owe: your deductible, out-of-pocket maximum, and each provider's network status all still apply.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$5,006 |
| Deductible met - 20% coinsurance | ~$1,001 |
| Out-of-network provider | $11,013+ |
Frequently asked questions: ACL Surgery costs in Montana
How much does an ACL Surgery cost in Montana?
The typical insurer-negotiated rate is $1,550, with most facilities between $906 and $7,143 (based on 21 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Montana hospitals run $1,561–$18,519; outlier facilities above and below that range are left out. What you pay depends on the facility, your insurance, and whether you have met your deductible.
Where is the cheapest place to get an ACL Surgery in Montana?
Based on declared prices, the lowest posted price in our Montana data is MADISON VALLEY HOSPITAL INC in Ennis at about $1,563. Freestanding ambulatory surgery centers are often cheaper still and may not appear in hospital price data - ask your doctor whether one is an option.
Why is an ACL Surgery so much cheaper at some Montana hospitals?
Typical prices vary about 7.9× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Montana, the median cash (self-pay) price is $5,006 versus a median negotiated rate of $10,739 - cash is the lower number at many hospitals. Asking for the cash price as well as your insurer's negotiated rate is often the single biggest lever on what you pay.
How much will I actually pay out of pocket for an ACL Surgery in Montana?
Your out-of-pocket cost depends on your deductible, coinsurance, out-of-pocket maximum, and whether the facility is in-network - not just the sticker price. If you have not met your deductible, you will typically pay the negotiated rate in full until you do. Use the CostKits cost forecaster to estimate your specific out-of-pocket amount before you go.
Before you book
- How to read your medical bill
- How to stop medical bill problems before they start
- How to negotiate your medical bills
- Allowed amount vs negotiated rate: what your EOB is really saying
- How to read an EOB line by line
Other procedures in Montana
ACL Surgery, elsewhere
CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).
Other Procedure Costs in Montana
Bone, joint and pain
- Bunion Surgery Cost in Montana
- Carpal Tunnel Surgery Cost in Montana
- Cortisone Shot Cost in Montana
- Epidural Steroid Injection Cost in Montana
- Facet Joint Injection Cost in Montana
- Hip Replacement Cost in Montana
- Hip Replacement Cost in Montana
- Knee Arthroscopy Cost in Montana
- Knee Replacement Cost in Montana
- Knee Replacement Cost in Montana
- Physical Therapy Cost in Montana
- Rotator Cuff Surgery Cost in Montana
- Spinal Fusion Cost in Montana
- Spinal Fusion Cost in Montana
Imaging and scans
- Bone Density Test Cost in Montana
- CT Abdomen Cost in Montana
- CT Abdomen Cost in Montana
- CT Chest Cost in Montana
- CT Head Cost in Montana
- CT Scan Cost in Montana
- Doppler Ultrasound Cost in Montana
- Mammogram Cost in Montana
- MRI Brain Cost in Montana
- MRI Knee Cost in Montana
- MRI Cost in Montana
- PET Scan Cost in Montana
- Ultrasound Cost in Montana
- Xray Cost in Montana
Heart and cardiac tests
- Echocardiogram Cost in Montana
- Heart Catheterization Cost in Montana
- Nuclear Stress Test Cost in Montana
- Pacemaker Surgery Cost in Montana
- Treadmill Stress Test Cost in Montana
Sleep and breathing tests
Scopes and screening
General surgery
- Appendectomy Cost in Montana
- Appendectomy Cost in Montana
- Breast Biopsy Cost in Montana
- Cholecystectomy Cost in Montana
- Cholecystectomy Cost in Montana
- Hernia Repair Cost in Montana
Lab tests
- A1C Test Cost in Montana
- CBC Blood Test Cost in Montana
- Cholesterol Test Cost in Montana
- Metabolic Panel Cost in Montana
- Thyroid Test (TSH) Cost in Montana
Ear, nose and throat
- Deviated Septum Surgery Cost in Montana
- Ear Tube Surgery Cost in Montana
- Hearing Test Cost in Montana
- Sinus Surgery Cost in Montana
- Tonsillectomy Cost in Montana
Urology and women's health
- Childbirth Cost in Montana
- Childbirth Cost in Montana
- Cystoscopy Cost in Montana
- D&C (Dilation and Curettage) Cost in Montana
- Hysterectomy Cost in Montana
- Hysterectomy Cost in Montana
- Hysteroscopy Cost in Montana
- Ovarian Cyst Removal Cost in Montana
- Prostate Biopsy Cost in Montana
- Vasectomy Cost in Montana
Eye care
- Cataract Surgery Cost in Montana
- Eye Injection Cost in Montana
- Glaucoma Laser Surgery Cost in Montana
- YAG Laser Surgery Cost in Montana
Infusions
Emergency care
Related Articles
Interested in understanding healthcare costs and managing your medical expenses?
- Free Cost EstimatorCalculate your exact out-of-pocket cost for any procedure
- Free Bill ScreenerCheck whether your bill and paperwork are ready for a professional review
- Family Bill TrackerTrack costs across every family member and every bill in one place
- ACL Surgery Cost GuideCompare ACL Surgery prices across all 50 states
- Deductible vs Out-of-Pocket MaximumLearn how insurance cost-sharing works and what you actually pay
- Cost ExplorerBrowse procedures and compare prices across the country
- Epidural Steroid Injection Cost GuideCompare Epidural Steroid Injection prices across all 50 states
- Facet Joint Injection Cost GuideCompare Facet Joint Injection prices across all 50 states
- Physical Therapy Cost GuideCompare Physical Therapy prices across all 50 states
About the Author
John Caruso, FSA, MAAA
Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.
Connect on LinkedIn →Ready to take control of your healthcare costs?
Use the free cost estimator → · Get your bill screened for free → · See the family plan →