Cataract Surgery Cost in Nashville, TN (2026): Average Prices & What You'll Pay
What does a cataract surgery cost in Nashville, TN?
You could pay $607 or $1,797 for the same cataract surgery in Nashville, TN - depending entirely on which facility you choose. The median cash price across 19 reporting hospitals is $607. This data comes directly from hospital price transparency files published under federal law. Pick your coverage in the tabs below to see your number.
Insurance
With commercial insurance, cataract surgery in Nashville, TN typically runs $607–$1,797, facility and physician fees combined. What you pay out of pocket depends on your deductible and coinsurance.
Medicare
Medicare pays the same national rate to every provider that accepts it, adjusted slightly for local wages, so choosing a different hospital doesn't change what Medicare pays. For cataract surgery that rate is about $2,358–$4,223 (typically near $2,358). After the $257 Part B deductible you generally pay 20% of the approved amount, about $472.
Read the full Medicare coverage guide →
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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Medicaid
Medicaid is run by each state, and it pays fixed rates to the providers that accept it, so the price doesn't change from one hospital to the next. Most people on Medicaid owe nothing or a small copay for covered care, but what's covered and what you owe depends on your state and plan. CostKits doesn't show a Medicaid price here because those rates are set by the state, not negotiated by each hospital. The question that matters is whether the provider accepts your Medicaid plan, so ask before you schedule.
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
Free for patients - takes 30 seconds to get.
We'll send a sign-in link to your email — click it to get your guide. No account required, no spam.
No insurance
Posted cash prices for cataract surgery at 19 Nashville, TN hospitals range from $589–$2,789, with a median of $607. The lowest posted price we found is TRISTAR ASHLAND CITY MEDICAL CENTER in Ashland City, TN at $607. Ask for the cash or self-pay price and for the hospital’s financial-assistance policy before you book.
Once you have a bill or an appointment on the calendar, CostKits can help you keep it all organized.
Where cataract surgery costs vary in Nashville, TN
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
Free for patients - takes 30 seconds to get.
We'll send a sign-in link to your email - click it to get your guide. No account required, no spam.
Cheapest Cataract Surgery Providers in Nashville, TN
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 | +$0 |
| 2 | TRISTAR SKYLINE MEDICAL CENTER | Nashville, TN | $607 | +$0 |
| 3 | Hospital name hidden | Your City, TN | $715 | -$000 |
| 4 | Hospital name hidden | Your City, TN | $716 | -$000 |
| 5 | TRISTAR HORIZON MEDICAL CENTER | Dickson, TN | $607 | +$0 |
| 6 | Hospital name hidden | Your City, TN | $718 | -$000 |
| 7 | Hospital name hidden | Your City, TN | $719 | -$000 |
| 8 | Hospital name hidden | Your City, TN | $720 | -$000 |
Your ranked price list is on its way to your email. Open the PDF now.
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 19 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?
Estimate your out-of-pocket cost → · When the bills arrive, we check them for errors →
Quick take
- Ask for the cash price if your deductible isn't met - the median cash price here is $607, 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) | — | $2,358 to $4,223 | $2,358 |
| With insurance (commercial, average) | 19 | $2,473 to $4,446 | $3,845 |
| Without insurance (cash price) | 19 | $589 to $2,789 | $607 |
| BlueCross BlueShield of Tennessee | 17 | $1,024 to $3,765 | $1,417 |
| Cigna | 18 | $1,592 to $7,171 | $5,524 |
| Aetna | 12 | $4,687 to $5,050 | $5,050 |
| UnitedHealthcare | 4 | $2,551 to $7,047 | $4,550 |
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 Nashville, TN?
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 Nashville, TN?
Across 19 Nashville, TN hospitals, the negotiated rates commercial insurers pay for cataract surgery average $2,473 to $4,446 per hospital, with a median near $3,845. 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 Nashville, TN?
Cash (self-pay) prices for cataract surgery at 19 Nashville, TN hospitals range from $589 to $2,789, with a median of $607. 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 in Nashville, TN?
BlueCross BlueShield of Tennessee negotiated rates for cataract surgery at 17 Nashville, TN hospitals range from $1,024 to $3,765, with a median near $1,417. 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 Nashville, TN?
Cigna negotiated rates for cataract surgery at 18 Nashville, TN hospitals range from $1,592 to $7,171, with a median near $5,524. 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 Nashville, TN?
Aetna negotiated rates for cataract surgery at 12 Nashville, TN hospitals range from $4,687 to $5,050, with a median near $5,050. 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 Nashville, TN?
UnitedHealthcare negotiated rates for cataract surgery at 4 Nashville, TN hospitals range from $2,551 to $7,047, with a median near $4,550. If a hospital is out of network for your UnitedHealthcare plan, you may owe more than the negotiated rate, so check the network first.
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
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.
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 | ~$607 |
| Deductible met - 20% coinsurance | ~$121 |
| Out-of-network provider | $1,335+ |
Frequently asked questions: cataract surgery costs in Nashville, TN
How much does a cataract surgery cost in Nashville, TN?
The typical insurer-negotiated rate is $584, with most facilities between $432 and $1,552 (based on 19 hospitals reporting negotiated rates). Full market pricing - including cash rates, gross charges, and outlier facilities - ranges more widely, from $511 to $2,885 across all 19 Nashville, TN 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 Nashville, TN?
Based on declared prices, the lowest-cost facility in our Nashville, TN data is TRISTAR CENTENNIAL MEDICAL CENTER in Nashville at about $511. By metro, Nashville has the lowest median ($1,245). 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 Nashville, TN hospitals?
Prices vary up to 5.6× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Nashville, TN, the median cash (self-pay) price is $607 versus a median negotiated rate of $3,845 - 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 Nashville, TN?
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 Nashville, TN
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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