Cholecystectomy Cost in Bloomington, IN (2026): Average Prices & What You'll Pay
What does a cholecystectomy cost in Bloomington, IN?
Where you have a cholecystectomy done in Bloomington, IN swings the bill from $3,409 to $5,072 for identical care. The median cash price across 3 reporting hospitals is $4,211. The numbers are pulled directly from federally mandated hospital price transparency files.
Bloomington, IN prices for a cholecystectomy span 2.9× across 3 reporting hospitals, from $2,206 (Greene County General Hospital) up to $6,364 (Indiana University Health Bloomington Inc. in Bloomington) for identical care. The median Bloomington, IN price is $4,211. Most facilities fall between $3,208 and $5,072. There's a gap between the sticker and the real price here: a median cash quote of $4,211 sits above the $3,850 insurers negotiate.
Forecast your out-of-pocket cost
- Lower-cost hospitals (bottom 25%): under $3,208
- Median hospital: $4,211
- Higher-cost hospitals (top 30%): $5,072+
That's a 2× spread for the same procedure — driven entirely by which facility you choose, not by clinical complexity.
- Patient A (higher-rate plan or out-of-network): ~$5,072
- Patient B (lower-rate in-network plan): ~$3,409
Where cholecystectomy costs vary in Bloomington, IN
Pins show hospitals with price-transparency data (colored by vs. state average) and nearby ambulatory surgery centers, imaging centers, and other facilities (colored by type). Click any pin for facility name and estimated cost range.
Estimate YOUR exact out-of-pocket cost →
Cheapest Cholecystectomy Providers in Bloomington, IN
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs Median |
|---|---|---|---|---|
| 1 | Indiana University Health Bloomington Inc. | Bloomington, IN | $4,211 | +$0 |
| 2 | Monroe Hospital | IN | $6,364 | +$2,153 |
Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
The facility you choose matters more than almost anything else — the same procedure, same quality, same state can cost 5× more at one hospital versus the one down the road.
→ Compare all procedure costs → Cholecystectomy costs nationwide
Check YOUR hospital's pricing → Estimate YOUR exact cost →
What you'll actually pay — example scenarios
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met (pay in full) | ~$4,211 |
| Deductible met — 20% coinsurance | ~$842 |
| Out-of-network provider | $9,264+ |
Based on the state median facility price of $4,211. Your actual cost depends on your plan deductible, coinsurance rate, and network tier. Get YOUR personalized estimate →
What this means for you
If you haven't met your deductible, you are effectively a cash-pay patient.
That means:
- You should verify your hospital is in-network before an elective visit when possible
- The cheapest facility can save you $2,005+ vs. the median.
This is the single biggest lever most patients have to reduce their cost.
Lower-cost options in Bloomington, IN start around $3,208 or below. Most hospitals cluster between $3,208 and $5,288. A smaller group reports prices above that — often academic medical centers or high-cost markets.
- Best value hospitals (lowest prices): Greene County General Hospital: $2,206; Indiana University Health Bloomington Inc.: $4,211; Monroe Hospital: $6,364
- Most expensive (outpatient): Monroe Hospital: ~$6,364; Indiana University Health Bloomington Inc.: ~$4,211
→ Choosing the right facility can save $2,005+ vs. the state median.
Bloomington, IN Cholecystectomy prices by facility
All prices below come from hospital chargemasters — the official price lists each hospital must publish under federal law. Gross charge is the undiscounted list price; cash price is the self-pay rate; negotiated range covers the spread across insurance contracts.
- Cash price — the self-pay rate you can actually negotiate and pay
- Negotiated rate — if reported by the hospital across insurance contracts
- Gross charge — fallback only; this is the inflated list price few people pay
This reflects the real prices patients encounter — not inflated chargemaster rates.
| # | Facility | City | Your Price | vs Median | Gross Charge |
|---|---|---|---|---|---|
| #1 | Greene County General Hospital | IN | $2,206 | -$2,005 | $1,791–$2,757 |
| #2 | Indiana University Health Bloomington Inc. | Bloomington, IN | $4,211 | +$0 | $4,211–$31,019 |
| #3 | Monroe Hospital | IN | $6,364 | +$2,153 | $12,836–$13,365 |
Source: CMS hospital price transparency machine-readable files. vs Median = savings or premium relative to the state median price. Gross Charge = undiscounted list price for reference.
Received a bill? Check it for errors → Estimate YOUR cost before you go →
Compare other procedures in Bloomington, IN:
Where you can save the most on cholecystectomy in Bloomington, IN
These facilities have the lowest declared prices relative to the state median — they represent the best opportunities to reduce your out-of-pocket cost for this procedure.
| Facility | City | Your Price | vs Median |
|---|---|---|---|
| Greene County General Hospital | IN | $2,206 | -$2,005 |
| Indiana University Health Bloomington Inc. | Bloomington, IN | $4,211 | +$0 |
| Monroe Hospital | IN | $6,364 | +$2,153 |
How to choose a lower-cost facility
- Choose independent outpatient centers when possible — freestanding ASCs (ambulatory surgical centers) consistently charge less than hospital outpatient departments for identical procedures.
- Ask for the cash price if your deductible isn't met — self-pay rates are often lower than what insurance pays before your deductible is satisfied, especially at facilities that have a high cash-price discount.
- Avoid hospital outpatient departments for routine cases — hospital-owned locations add a facility fee that freestanding centers don't charge, often adding $500–$1,500 to the same procedure.
Most expensive cholecystectomy providers in Bloomington, IN
These facilities report the highest prices for this procedure. Academic medical centers and specialty hospitals often top this list — their gross charges rarely reflect what anyone actually pays, but understanding the spread helps you negotiate.
| Facility | City | Price | vs Median |
|---|---|---|---|
| Monroe Hospital | IN | $6,364 | +$2,153 |
| Indiana University Health Bloomington Inc. | Bloomington, IN | $4,211 | +$0 |
| Greene County General Hospital | IN | $2,206 | -$2,005 |
Why prices vary this much
Of the Bloomington, IN facilities reporting prices, 1 fall in a low-cost tier (up to $3,208) while 1 sit in a high-cost tier ($5,288 and up) — a lower-priced option almost always exists within the same state.
The spread comes from how each hospital sets its chargemaster (the undiscounted list price), what cash discounts it applies, and what rates it negotiates with each insurer. Facility classification matters too — a hospital-owned outpatient center adds a facility fee that a freestanding clinic does not. Understanding these mechanics is the first step to paying less.
Learn more:
→ Allowed amount vs negotiated rate — what your EOB is really saying
→ How to read your medical bill
→ Why hospital prices are so hard to find — and what to do about it
How insurance changes what you actually pay
Hospital list prices are only part of the picture. What you pay out of pocket depends on your deductible, your plan's out-of-pocket maximum, whether the facility is in-network, and whether your plan classifies the visit as outpatient or inpatient. A lower gross charge doesn't guarantee a lower bill if the facility is out-of-network or adds facility fees your plan doesn't cover.
Understand your cost before you go:
→ Deductible vs out-of-pocket max
→ EOB vs medical bill — complete guide
→ How to stop medical bill problems before they start (in-network vs out-of-network)
Compare cholecystectomy costs in nearby states
Frequently asked questions: cholecystectomy costs in Bloomington, IN
How much does a cholecystectomy cost in Bloomington, IN?
Across 3 Bloomington, IN hospitals that publish prices, a cholecystectomy ranges from $2,206 to $6,364, with a median of $4,211. Most facilities fall between $3,208 and $5,072. What you pay depends on the facility, your insurance, and whether you have met your deductible.
Where is the cheapest place to get a cholecystectomy in Bloomington, IN?
Based on declared prices, the lowest-cost facility in our Bloomington, IN data is Greene County General Hospital at about $2,206. Freestanding ambulatory surgery and imaging centers are often cheaper still and may not appear in hospital price data — ask your doctor whether one is an option.
Why is a cholecystectomy so much cheaper at some Bloomington, IN hospitals?
Prices vary up to 2.9× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Bloomington, IN, the median cash (self-pay) price is $4,211 versus a median negotiated rate of $3,850 — about 1.1× higher. Asking for the cash price or 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 cholecystectomy in Bloomington, IN?
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.
Explore all cholecystectomy cost data
→ See cholecystectomy costs across all states
Where You Get a Cholecystectomy Matters
Hospital outpatient departments typically charge 2–4× more than ASCs or independent centers for the same procedure — same outcome, very different bill.
Hospital Outpatient Department
Hospital Outpatient Department typically carries a higher price for a cholecystectomy. Facility fee billed separately from professional fee. Provider-based billing adds facility overhead. You can shop here — call ahead and ask for a self-pay or cash quote.
Ambulatory Surgery Center
Ambulatory Surgery Center typically carries a mid-range price for a cholecystectomy. Typically 40–60% less than hospital OP for surgical procedures. Anesthesia billed separately. You can shop here — call ahead and ask for a self-pay or cash quote.
Hospital Inpatient
Hospital Inpatient typically carries the highest price for a cholecystectomy. DRG-based billing bundles most services. Professional fees billed separately. Length of stay drives cost.
What's Actually on Your Cholecystectomy Bill
A cholecystectomy involves multiple providers — each bills separately. Understanding each line item helps you verify your Explanation of Benefits and catch billing errors.
Hospital Outpatient
- Facility Fee
- Surgeon Professional Fee
- Anesthesia
Asc
- ASC Facility Fee
- Surgeon Professional Fee
- Anesthesia
Hospital Inpatient
- Drg Facility Stay
- Surgeon Professional Fee
- Anesthesia
Cholecystectomy Cost by Type
Which type your doctor orders changes the billing code — and what you pay. Here's how the common types differ.
Laparoscopic Cholecystectomy
A recognized variation that can change the billing code and what you owe. Most common. Same-day or 1-night stay.
Laparoscopic with Cholangiography
A recognized variation that can change the billing code and what you owe. Adds bile duct imaging — higher facility fee.
Open Cholecystectomy
A recognized variation that can change the billing code and what you owe. Used for complex cases. Longer hospitalization — typically inpatient.
This Procedure Is Shoppable — Choosing the Right Facility Can Save Thousands
Cholecystectomy is elective and schedulable. You have time to compare facilities — and hospital outpatient prices often run 2–4× higher than Hospital OP, ASC for identical clinical outcomes.
How to shop: Ask your doctor for the CPT code, then call 2–3 facilities and request an out-of-pocket cost estimate. Confirm your insurance is accepted. If uninsured, ask for the cash-pay rate — it's usually 20–50% below the list price.
Watch for Separate Bills from These Providers
A cholecystectomy involves multiple providers: the facility, the operating physician, and often Anesthesia. These providers bill independently — and each one may or may not be in your network, even if the facility is.
Action step: Before your procedure, ask the facility coordinator to confirm that all participating providers are in-network on your plan. The No Surprises Act (2022) protects you from unexpected out-of-network bills in many scenarios — but not all. Request a Good Faith Estimate (GFE) if you ask for one.
Who performs this: Cholecystectomy is typically performed by a General Surgery. The specialist's professional fee is billed separately from the facility charge — you will likely receive separate bills from each.
CostKits compiles hospital price transparency data to help families make informed decisions. If you've received a bill for this procedure:
→ Analyze your medical bill for errors
→ How to negotiate your medical bills
→ 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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