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.
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.
26+ people checked prices near them this month.
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.
Quick take
- Ask for the cash price if your deductible isn't met - the median cash price here is $4,211, 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.
Indiana has one of the most concentrated hospital markets in the Midwest, which the FTC has previously flagged as insufficiently competitive. Indiana University Health and Ascension St. Vincent hold significant combined market share in Indianapolis. The lack of robust competition is reflected in commercial reimbursement rates that run above the Midwest average. Laparoscopic cholecystectomy (gallbladder removal) is one of the most common ambulatory surgeries in the US, and facility type is the single biggest cost lever - ambulatory surgery centers charge 40–60% less than hospital outpatient departments for identical outcomes. Most commercial payers require prior authorization, and the surgeon and anesthesiologist bill separately from the facility, so confirming all three providers are in-network prevents unexpected out-of-network charges.
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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.
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 | ~$4,211 |
| Deductible met - 20% coinsurance | ~$842 |
| Out-of-network provider | $9,264+ |
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.
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
Other procedures in Bloomington, IN
Cholecystectomy, elsewhere
What matters before you schedule
ASC vs. hospital
Hospital outpatient departments typically charge 2-4x more than ASCs or independent centers for the same cholecystectomy - 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 cholecystectomy 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 cholecystectomy 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 cholecystectomy 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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