Carpal Tunnel Surgery Cost in Montana (2026): Average Prices & What You'll Pay
What does a carpal tunnel surgery cost in Montana?
You could pay $609 or $1,478 for the same carpal tunnel surgery in Montana - depending entirely on which facility you choose. The median cash price across 21 reporting hospitals is $700. 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 carpal tunnel 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.
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What you pay for a carpal tunnel surgery depends on where you go and what is billed separately. Most patients find out after.
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Cheapest Carpal Tunnel Surgery Providers in Montana
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs median ($700) |
|---|---|---|---|---|
| 1 | Northern Montana Hospital | Havre, MT | $487 | $213 below |
| 2 | Clark Fork Valley Hospital | Plains, MT | $526 | $174 below |
| 3 | HOLY ROSARY HEALTHCARE DBA INTERMOUNTAIN HEALTH HOLY ROSARY HOSPITAL | MT | $528 | $172 below |
| 4 | Sidney Health Center | Sidney, MT | $538 | $162 below |
| 5 | Providence St Joseph Medical Center | Polson, MT | $656 | $44 below |
| 6 | Benefis Hospitals Inc | MT | $657 | $43 below |
| 7 | MADISON VALLEY HOSPITAL INC | Ennis, MT | $699 | $1 below |
| 8 | Fallon Medical Complex | Baker, MT | $699 | $1 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
- Northern Montana Hospital is the lowest-cost option at $487 - $213 below the median posted price ($700), just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $700, 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) | — | $1,678 to $1,960 | $1,819 |
| With insurance (commercial, average) | 11 | $483 to $4,600 | $1,752 |
| Without insurance (cash price) | 20 | $481 to $1,642 | $700 |
| Blue Cross and Blue Shield of Montana | 5 | $430 to $3,516 | $592 |
| Cigna | 4 | $576 to $1,752 | $1,227 |
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 a carpal tunnel surgery cost with Medicare in Montana?
Medicare's national hospital outpatient payment for carpal tunnel surgery is about $1,678 to $1,960 (typically near $1,819). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $364 on a $1,819 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 a carpal tunnel surgery cost with insurance in Montana?
Across 11 Montana hospitals, the negotiated rates commercial insurers pay for carpal tunnel surgery average $483 to $4,600 per hospital, with a median near $1,752. 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 a carpal tunnel surgery cost without insurance in Montana?
Cash (self-pay) prices for carpal tunnel surgery at 20 Montana hospitals range from $481 to $1,642, with a median of $700. 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 a carpal tunnel surgery cost with Blue Cross and Blue Shield of Montana?
Blue Cross and Blue Shield of Montana negotiated rates for carpal tunnel surgery at 5 Montana hospitals range from $430 to $3,516, with a median near $592. 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 a carpal tunnel surgery cost with Cigna in Montana?
Cigna negotiated rates for carpal tunnel surgery at 4 Montana hospitals range from $576 to $1,752, with a median near $1,227. 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 where you go changes what you pay for carpal tunnel surgery
The same carpal tunnel 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 $400–$12,440
- Professional fee $668–$2,088
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $400–$12,440
- Professional fee $668–$2,088
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.
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Why prices vary - and what it means for your coverage
A small number of hospitals (2) report prices above $3,240, including Providence Health & Services - Montana at $1,659, 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 $700 versus $6,029 inpatient (about 8.6× 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.
What you pay out of pocket on top of this depends on your deductible, your plan's out-of-pocket maximum, and whether every provider involved is in-network - not just the facility.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$700 |
| Deductible met - 20% coinsurance | ~$140 |
| Out-of-network provider | $1,540+ |
Frequently asked questions: carpal tunnel surgery costs in Montana
How much does a carpal tunnel surgery cost in Montana?
The typical insurer-negotiated rate is $700, with most facilities between $429 and $1,622 (based on 21 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Montana hospitals run $481–$1,642; 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 a carpal tunnel surgery in Montana?
Based on declared prices, the lowest posted price in our Montana data is Northern Montana Hospital in Havre at about $487. 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 a carpal tunnel surgery so much cheaper at some Montana hospitals?
Typical prices vary about 3.8× (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 $700 versus a median negotiated rate of $1,752 - 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 a carpal tunnel 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
- Deductible vs out-of-pocket max
- How to negotiate your medical bills
- EOB vs medical bill: complete guide
- Already have a bill? Check it for errors
- How to read a Medicare Summary Notice
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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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