ACL Surgery Cost in Tennessee (2026): Average Prices & What You'll Pay
What does a acl surgery cost in Tennessee?
You could pay $1,921 or $3,542 for the same acl surgery in Tennessee - depending entirely on which facility you choose. The median cash price across 56 reporting hospitals is $2,278. 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 Tennessee
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.
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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 Tennessee
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs median ($2,278) |
|---|---|---|---|---|
| 1 | Saint Thomas Regional Hospitals | TN | $1,535 | $743 below |
| 2 | Saint Thomas Hickman Hospital | TN | $1,535 | $743 below |
| 3 | Saint Thomas West Hospital | TN | $1,535 | $743 below |
| 4 | Saint Thomas Rutherford Hospital | TN | $1,535 | $743 below |
| 5 | Saint Thomas West Hospital | TN | $1,549 | $729 below |
| 6 | ERLANGER HEALTH | Chattanooga, TN | $1,569 | $709 below |
| 7 | Livingston Regional Hospital | Livingston, TN | $1,627 | $651 below |
| 8 | Sumner Regional Medical Center | TN | $1,778 | $500 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
- Saint Thomas Regional Hospitals is the lowest-cost option at $1,535 - $743 below the median posted price ($2,278), just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $2,278, 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) | 46 | $1,474 to $7,508 | $4,215 |
| Without insurance (cash price) | 61 | $1,535 to $7,429 | $2,278 |
| BlueCross BlueShield of Tennessee | 34 | $1,753 to $5,957 | $3,130 |
| Cigna | 39 | $1,399 to $9,072 | $2,094 |
| Aetna | 27 | $2,074 to $7,220 | $6,788 |
| UnitedHealthcare | 26 | $4,123 to $11,179 | $6,058 |
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 Tennessee?
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 Tennessee?
Across 46 Tennessee hospitals, the negotiated rates commercial insurers pay for ACL Surgery average $1,474 to $7,508 per hospital, with a median near $4,215. 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 Tennessee?
Cash (self-pay) prices for ACL Surgery at 61 Tennessee hospitals range from $1,535 to $7,429, with a median of $2,278. 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 BlueCross BlueShield of Tennessee?
BlueCross BlueShield of Tennessee negotiated rates for ACL Surgery at 34 Tennessee hospitals range from $1,753 to $5,957, with a median near $3,130. 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 Tennessee?
Cigna negotiated rates for ACL Surgery at 39 Tennessee hospitals range from $1,399 to $9,072, with a median near $2,094. 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 Aetna in Tennessee?
Aetna negotiated rates for ACL Surgery at 27 Tennessee hospitals range from $2,074 to $7,220, with a median near $6,788. 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 much does an ACL Surgery cost with UnitedHealthcare in Tennessee?
UnitedHealthcare negotiated rates for ACL Surgery at 26 Tennessee hospitals range from $4,123 to $11,179, with a median near $6,058. 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 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 $1,535–$20,868
- Professional fee $1,458–$3,888
Estimated from CMS fee schedules + commercial rate multipliers
HCA Healthcare, headquartered in Nashville, has significant hospital presence in its home state, creating pricing patterns more aligned with for-profit hospital economics than nonprofit systems in comparable markets. Vanderbilt University Medical Center anchors the Nashville academic tier. Tennessee has not expanded Medicaid under the ACA, maintaining a high uninsured rate that influences facility pricing structures.
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Why prices vary - and what it means for your coverage
A small number of hospitals (10) report prices above $5,974, including Shelby County Health Care Corporation at $20,868, 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 | ~$2,278 |
| Deductible met - 20% coinsurance | ~$456 |
| Out-of-network provider | $5,012+ |
Frequently asked questions: ACL Surgery costs in Tennessee
How much does an ACL Surgery cost in Tennessee?
The typical insurer-negotiated rate is $1,778, with most facilities between $1,257 and $2,051 (based on 56 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Tennessee hospitals run $1,535–$7,429; 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 Tennessee?
Based on declared prices, the lowest posted price in our Tennessee data is Saint Thomas Regional Hospitals at about $1,535. By metro, Knoxville has the lowest median ($1,921). 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 Tennessee hospitals?
Typical prices vary about 1.6× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Tennessee, the median cash (self-pay) price is $2,278 versus a median negotiated rate of $4,215 - 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 Tennessee?
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
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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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