ACL Surgery Cost in North Dakota (2026): Average Prices & What You'll Pay
What does a acl surgery cost in North Dakota?
You could pay $5,297 or $7,143 for the same acl surgery in North Dakota - depending entirely on which facility you choose. The median cash price across 11 reporting hospitals is $6,846. This data comes directly from hospital price transparency files published under federal law. 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 North Dakota
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.
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Cheapest ACL Surgery Providers in North Dakota
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs median ($6,846) |
|---|---|---|---|---|
| 1 | Sanford Fargo Medical Center | Fargo, ND | $5,212 | $1,634 below |
| 2 | SMP Health - St. Aloisius dba SMP Health - St. Aloisius | Harvey, ND | $5,297 | $1,549 below |
| 3 | Sanford Medical Center Bismarck | Bismarck, ND | $6,786 | $60 below |
| 4 | Essentia Health Fargo | ND | $6,897 | $51 above |
| 5 | ST. ALEXIUS MEDICAL CENTER | Bismarck, ND | $7,143 | $297 above |
| 6 | Trinity Hospitals | Minot, ND | $7,413 | $567 above |
| 7 | Jamestown Regional Medical Center | Jamestown, ND | $8,565 | $1,719 above |
| 8 | McKenzie County Healthcare System | Watford City, ND | $10,335 | $3,489 above |
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?
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Quick take
- Sanford Fargo Medical Center is the lowest-cost option at $5,212 - $1,634 below the median posted price ($6,846), just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $6,846, and it's often lower than what insurance pays before your deductible is satisfied.
- This dataset covers hospitals only - freestanding ASCs, which routinely run 30-60% cheaper for the same procedure, aren't included, so it's worth asking your doctor whether 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) | 9 | $2,969 to $14,619 | $9,546 |
| Without insurance (cash price) | 11 | $1,675 to $8,565 | $6,846 |
| Blue Cross Blue Shield of North Dakota | 6 | $5,548 to $14,645 | $11,590 |
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 Dakota?
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 Dakota?
Across 9 North Dakota hospitals, the negotiated rates commercial insurers pay for ACL Surgery average $2,969 to $14,619 per hospital, with a median near $9,546. 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 Dakota?
Cash (self-pay) prices for ACL Surgery at 11 North Dakota hospitals range from $1,675 to $8,565, with a median of $6,846. 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 Blue Shield of North Dakota?
Blue Cross Blue Shield of North Dakota negotiated rates for ACL Surgery at 6 North Dakota hospitals range from $5,548 to $14,645, with a median near $11,590. 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 $1,675–$10,335
- Professional fee $1,458–$3,888
Estimated from CMS fee schedules + commercial rate multipliers
Sanford Health and CHI St. Alexius divide most of North Dakota's hospital market, with Bismarck and Fargo each effectively dominated by one system. The state's oil-economy wage growth has increased hospital labor costs, pushing prices above what the rural market structure would otherwise suggest. Critical access hospitals cover most of the rural tier.
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Why prices vary - and what it means for your coverage
A small number of hospitals (1) report prices above $10,314, including McKenzie County Healthcare System at $10,335, which drives most of the overall spread - excluding them, most facilities cluster in a much tighter band. Facility classification matters as much as the hospital itself - a hospital-owned outpatient center adds a facility fee that a freestanding clinic does not. 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 | ~$6,846 |
| Deductible met - 20% coinsurance | ~$1,369 |
| Out-of-network provider | $15,061+ |
Frequently asked questions: ACL Surgery costs in North Dakota
How much does an ACL Surgery cost in North Dakota?
The typical insurer-negotiated rate is $3,672, with most facilities between $834 and $7,143 (based on 11 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of North Dakota hospitals run $1,675–$8,565; 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 Dakota?
Based on declared prices, the lowest posted price in our North Dakota data is Sanford Fargo Medical Center in Fargo at about $5,212. By metro, Fargo has the lowest median ($6,029). 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 Dakota hospitals?
Typical prices vary about 8.6× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In North Dakota, the median cash (self-pay) price is $6,846 versus a median negotiated rate of $9,546 - 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 Dakota?
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
- Understanding your UnitedHealthcare EOB
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CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).
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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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