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Reviewed by John Caruso, FSA, MAAA • Data last updated

ACL Surgery Cost in North Carolina (2026): Average Prices & What You'll Pay

What does a acl surgery cost in North Carolina?

Where you have an acl surgery done in North Carolina swings the bill from $6,649 to $7,051 for identical care. The median cash price across 58 reporting hospitals is $6,930. The numbers are pulled directly from federally mandated hospital price transparency files. The sections below break this down by coverage and by insurer.

Three low-priced facilities in North Carolina, from hospital price files

  • Nash Hospitals · Rocky Mount, NC $3,824
  • MISSION HOSPITAL · Asheville, NC $3,954
  • MISSION HOSPITAL MCDOWELL · Marion, NC $3,954

All 58 facilities are listed below, free.

Where acl surgery costs vary in North Carolina

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.

Hospital (below avg) Hospital (above avg) Click a pin for details.

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.

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Cheapest ACL Surgery Providers in North Carolina

Based on declared cash/self-pay prices from CMS hospital price transparency files.

# Facility City Price vs median ($6,930)
1 Nash Hospitals Rocky Mount, NC $3,824 $3,106 below
2 MISSION HOSPITAL Asheville, NC $3,954 $2,976 below
3 MISSION HOSPITAL MCDOWELL Marion, NC $3,954 $2,976 below
4 Henderson County Hospital Corporation Hendersonville, NC $4,254 $2,676 below
5 Betsy Johnson Hospital Dunn, NC $5,307 $1,623 below
6 Novant Health New Hanover Regional Medical Center LLC Wilmington, NC $5,724 $1,206 below
7 FRYE REGIONAL MEDICAL CENTER NC $6,474 $456 below
8 Caldwell Memorial Hospital Lenoir, NC $6,482 $448 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

  1. Is this the self-pay price, and does it include the doctor, anesthesia and any lab or pathology? Those are often billed separately.
  2. Can you give me the price in writing, with the billing codes it covers?
  3. 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

  • Nash Hospitals is the lowest-cost option at $3,824 - $3,106 below the median posted price ($6,930), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $6,930, 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.
ACL Surgery prices by coverage in North Carolina, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$7,413 to $7,413$7,413
With insurance (commercial, average)49$5,198 to $13,564$7,157
Without insurance (cash price)66$3,889 to $7,598$6,930
Blue Cross and Blue Shield of North Carolina4$1,110 to $2,522$2,025
Cigna22$3,867 to $7,263$7,249
UnitedHealthcare19$6,683 to $10,746$6,962
Aetna7$3,103 to $17,972$6,735

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 North Carolina?

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 North Carolina?

Across 49 North Carolina hospitals, the negotiated rates commercial insurers pay for ACL Surgery average $5,198 to $13,564 per hospital, with a median near $7,157. 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 North Carolina?

Cash (self-pay) prices for ACL Surgery at 66 North Carolina hospitals range from $3,889 to $7,598, with a median of $6,930. 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 North Carolina?

Blue Cross and Blue Shield of North Carolina negotiated rates for ACL Surgery at 4 North Carolina hospitals range from $1,110 to $2,522, with a median near $2,025. 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 much does an ACL Surgery cost with Cigna in North Carolina?

Cigna negotiated rates for ACL Surgery at 22 North Carolina hospitals range from $3,867 to $7,263, with a median near $7,249. If a hospital is out of network for your Cigna plan, you may owe more than the negotiated rate, so check the network first.

How much does an ACL Surgery cost with UnitedHealthcare in North Carolina?

UnitedHealthcare negotiated rates for ACL Surgery at 19 North Carolina hospitals range from $6,683 to $10,746, with a median near $6,962. If a hospital is out of network for your UnitedHealthcare plan, you may owe more than the negotiated rate, so check the network first.

How much does an ACL Surgery cost with Aetna in North Carolina?

Aetna negotiated rates for ACL Surgery at 7 North Carolina hospitals range from $3,103 to $17,972, with a median near $6,735. If a hospital is out of network for your Aetna plan, you may owe more than the negotiated rate, so check the network first.

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.

Hospital Outpatient
$2,080–$109,629
  • Facility fee $622–$105,741
  • Professional fee $1,458–$3,888

Estimated from CMS fee schedules + commercial rate multipliers

Hospital Inpatient
$2,080–$109,629
  • Facility fee $622–$105,741
  • Professional fee $1,458–$3,888

Estimated from CMS fee schedules + commercial rate multipliers

Atrium Health (formerly Carolinas HealthCare) and Wake Forest Baptist Health have merged into one of the largest nonprofit health systems in the Southeast. Duke Health and UNC Health anchor the Research Triangle academic tier, creating a market where major academic centers hold outsized pricing leverage. North Carolina has been an active target for FTC scrutiny of hospital consolidation.

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 (7) report prices above $7,855, including Harris Regional Hospital at $17,086, 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 $6,930 versus $53,182 inpatient (about 7.7× 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.

On top of the facility price, your actual bill depends on your deductible, your out-of-pocket maximum, and whether every provider involved - not just the facility - is in-network.

Your situation Estimated out-of-pocket
Deductible not yet met ~$6,930
Deductible met - 20% coinsurance ~$1,386
Out-of-network provider $15,246+

Frequently asked questions: ACL Surgery costs in North Carolina

How much does an ACL Surgery cost in North Carolina?

The typical insurer-negotiated rate is $6,878, with most facilities between $5,652 and $7,037 (based on 58 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of North Carolina hospitals run $3,889–$7,598; 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 North Carolina?

Based on declared prices, the lowest posted price in our North Carolina data is Nash Hospitals in Rocky Mount at about $3,824. By metro, Durham has the lowest median ($2,679). 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 North Carolina hospitals?

Typical prices vary about 1.2× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In North Carolina, the median cash (self-pay) price is $6,930 versus a median negotiated rate of $7,157 - 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 North Carolina?

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

Other procedures in North Carolina

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 North Carolina

Bone, joint and pain

Imaging and scans

Heart and cardiac tests

Sleep and breathing tests

Scopes and screening

General surgery

Lab tests

Ear, nose and throat

Urology and women's health

Eye care

Infusions

Emergency care

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About the Author

John Caruso, FSA, MAAA

Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.

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Published October 29, 2026 · Updated October 29, 2026

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