Cataract Surgery Cost in Tennessee (2026): Average Prices & What You'll Pay
What does a cataract surgery cost in Tennessee?
The same cataract surgery in Tennessee might cost you $761 at one facility and $1,861 at another - the building you walk into drives the difference. The median cash price across 63 reporting hospitals is $1,365. These figures come straight from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.
Three low-priced facilities in Tennessee, from hospital price files
- TRISTAR ASHLAND CITY MEDICAL CENTER · Ashland City, TN $607
- TRISTAR STONECREST MEDICAL CENTER · Smyrna, TN $607
- TRISTAR HORIZON MEDICAL CENTER · Dickson, TN $607
Free: the typical range and the facilities above. Add your email and we send the full ranked list of all 63 facilities (PDF) plus a checklist of what to ask before you book. We don't sell your information (privacy policy).
Where cataract 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.
26+ people checked prices near them this month.
Insurance covers cataract surgery - but the premium lens it won't cover can add $1,500–$3,000 per eye.
Your personalized cost report includes:
- ✓ Why the standard lens is covered but a toric/multifocal upgrade is billed directly to you
- ✓ The four separate bills (facility, surgeon, anesthesia, lens) and which to scrutinize
- ✓ Why an ambulatory surgery center usually costs less than a hospital for the identical operation
- ✓ How anesthesia ends up out-of-network even at an in-network surgery center
- ✓ A real patient billing breakdown, line by line
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Cheapest Cataract Surgery Providers in Tennessee
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs Median |
|---|---|---|---|---|
| 1 | TRISTAR ASHLAND CITY MEDICAL CENTER | Ashland City, TN | $607 | -$758 |
| 2 | Hospital name hidden | Your City, TN | $523 | -$000 |
| 3 | Hospital name hidden | Your City, TN | $524 | -$000 |
| 4 | Hospital name hidden | Your City, TN | $525 | -$000 |
| 5 | TRISTAR STONECREST MEDICAL CENTER | Smyrna, TN | $607 | -$758 |
| 6 | Hospital name hidden | Your City, TN | $527 | -$000 |
| 7 | Hospital name hidden | Your City, TN | $528 | -$000 |
| 8 | TRISTAR HORIZON MEDICAL CENTER | Dickson, TN | $607 | -$758 |
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Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
Email me this price comparison plus what to ask before booking
Sends a PDF with all 63 facilities ranked cheapest first, plus a short checklist of questions that change what you pay. We don't sell your information (privacy policy).
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
- TRISTAR ASHLAND CITY MEDICAL CENTER is the lowest-cost option at $607 - $758 below the state median, just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $1,365, 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) | — | $2,358 to $4,223 | $2,358 |
| With insurance (commercial, average) | 53 | $2,124 to $4,343 | $2,816 |
| Without insurance (cash price) | 66 | $607 to $2,789 | $1,365 |
| BlueCross BlueShield of Tennessee | 41 | $1,156 to $4,305 | $2,491 |
| Cigna | 46 | $1,547 to $7,171 | $3,683 |
| Aetna | 33 | $2,061 to $5,050 | $4,687 |
| UnitedHealthcare | 29 | $2,071 to $5,049 | $2,694 |
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 cataract surgery cost with Medicare in Tennessee?
Medicare's national hospital outpatient payment for cataract surgery is about $2,358 to $4,223 (typically near $2,358). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $472 on a $2,358 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 cataract surgery cost with insurance in Tennessee?
Across 53 Tennessee hospitals, the negotiated rates commercial insurers pay for cataract surgery average $2,124 to $4,343 per hospital, with a median near $2,816. 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 cataract surgery cost without insurance in Tennessee?
Cash (self-pay) prices for cataract surgery at 66 Tennessee hospitals range from $607 to $2,789, with a median of $1,365. 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 cataract surgery cost with BlueCross BlueShield of Tennessee?
BlueCross BlueShield of Tennessee negotiated rates for cataract surgery at 41 Tennessee hospitals range from $1,156 to $4,305, with a median near $2,491. 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 cataract surgery cost with Cigna in Tennessee?
Cigna negotiated rates for cataract surgery at 46 Tennessee hospitals range from $1,547 to $7,171, with a median near $3,683. 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 a cataract surgery cost with Aetna in Tennessee?
Aetna negotiated rates for cataract surgery at 33 Tennessee hospitals range from $2,061 to $5,050, with a median near $4,687. 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 a cataract surgery cost with UnitedHealthcare in Tennessee?
UnitedHealthcare negotiated rates for cataract surgery at 29 Tennessee hospitals range from $2,071 to $5,049, with a median near $2,694. 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 cataract surgery
The same cataract 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 $511–$4,093
- Professional fee $803–$2,932
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $604–$1,650
- Professional fee $803–$2,932
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. Medicare covers cataract surgery at a defined allowed amount wage-adjusted for your location - the main cost variable isn't geography but lens type. Standard monofocal lenses are fully covered; premium multifocal or toric lenses add $1,500–$3,000 per eye out-of-pocket regardless of insurance. Ambulatory surgery centers consistently charge less than hospital outpatient departments for the identical procedure.
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 (1) report prices above $3,910, including METHODIST LEBONHEUR CHILDRENS HOSP at $4,093, 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 $1,365 versus $1,208 inpatient, 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 | ~$1,365 |
| Deductible met - 20% coinsurance | ~$273 |
| Out-of-network provider | $3,003+ |
Frequently asked questions: cataract surgery costs in Tennessee
How much does a cataract surgery cost in Tennessee?
The typical insurer-negotiated rate is $876, with most facilities between $464 and $1,422 (based on 66 hospitals reporting negotiated rates). Full market pricing - including cash rates, gross charges, and outlier facilities - ranges more widely, from $363 to $18,606 across all 63 Tennessee hospitals that publish prices. What you pay depends on the facility, your insurance, and whether you have met your deductible.
Where is the cheapest place to get a cataract surgery in Tennessee?
Based on declared prices, the lowest-cost facility in our Tennessee data is TRISTAR CENTENNIAL MEDICAL CENTER in Nashville at about $511. By metro, Chattanooga has the lowest median ($830). 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 cataract surgery so much cheaper at some Tennessee hospitals?
Prices vary up to 51.3× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Tennessee, the median cash (self-pay) price is $1,365 versus a median negotiated rate of $2,816 - 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 cataract 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
- Allowed amount vs negotiated rate: what your EOB is really saying
- How to read your medical bill
- Deductible vs out-of-pocket max
- Already have a bill? Check it for errors
- Understanding your UnitedHealthcare EOB
Other procedures in Tennessee
Cataract Surgery, elsewhere
What matters before you schedule
ASC vs. hospital
Hospital outpatient departments typically charge 2-4x more than ambulatory surgery centers for the same cataract surgery - same outcome, very different bill. Call ahead and ask for a self-pay or cash quote at each setting you're considering.
What's on your bill
A cataract surgery involves multiple providers who bill separately - typically Facility Fee, Surgeon Professional Fee, Anesthesia. Check each line item against your Explanation of Benefits to catch billing errors.
Cost by type
Which type your doctor orders for this cataract surgery changes the billing code, and what you pay. For example: A recognized variation that can change the billing code and what you owe.
What to ask before you book
Get the CPT code from your doctor, confirm every provider involved (not just the facility) is in-network, ask for the cash-pay rate if you're uninsured or haven't met your deductible, and request a written estimate for cataract surgery before you schedule.
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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