Cholecystectomy Cost in Montana (2026): Average Prices & What You'll Pay
What does a cholecystectomy cost in Montana?
A typical cholecystectomy in Montana costs $3,066–$9,588 for a commercially insured patient, including facility and physician fees. The median reported facility price across 20 hospitals is $1,840. This estimate is based on CMS fee schedules and hospital price transparency data published under federal law.
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Where cholecystectomy costs vary in Montana
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.
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Cheapest Cholecystectomy Providers in Montana
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs Median |
|---|---|---|---|---|
| 1 | Sidney Health Center | Sidney, MT | $1,581 | -$259 |
| 2 | Providence St Joseph Medical Center | Polson, MT | $1,584 | -$256 |
| 3 | Logan Health - Whitefish | Whitefish, MT | $1,591 | -$249 |
| 4 | HOLY ROSARY HEALTHCARE DBA INTERMOUNTAIN HEALTH HOLY ROSARY HOSPITAL | MT | $1,627 | -$213 |
| 5 | Logan Health - Shelby | Shelby, MT | $1,682 | -$158 |
| 6 | McCone County Health Center | MT | $1,682 | -$158 |
| 7 | Fallon Medical Complex | Baker, MT | $1,691 | -$149 |
| 8 | Deaconess Regional Medical Center | Bozeman, MT | $1,801 | -$39 |
Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
Quick take
- Sidney Health Center is the lowest-cost option at $1,581 - $259 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 $2,006, 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.
How where you go changes what you pay for cholecystectomy
The same cholecystectomy 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 $284–$17,712
- Professional fee $980–$5,380
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $252–$24,643
- Professional fee $980–$5,380
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. 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
A small number of hospitals (1) report prices above $12,368, including Great Falls Clinic Hospital at $17,712, 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 $1,840 versus $1,780 inpatient, so where a procedure happens often matters more than which hospital you pick.
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 | ~$4,172 |
| Deductible met - 20% coinsurance | ~$834 |
| Out-of-network provider | $9,178+ |
Frequently asked questions: cholecystectomy costs in Montana
How much does a cholecystectomy cost in Montana?
The typical insurer-negotiated rate is $1,154, with most facilities between $628 and $6,164 (based on 17 hospitals reporting negotiated rates). Full market pricing - including cash rates, gross charges, and outlier facilities - ranges more widely, from $321 to $36,515 across all 20 Montana 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 cholecystectomy in Montana?
Based on declared prices, the lowest-cost facility in our Montana data is Cabinet Peaks Medical Center in Libby at about $284. 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 Montana hospitals?
Prices vary up to 113.8× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Montana, the median cash (self-pay) price is $2,006 versus a median negotiated rate of $1,154 - about 1.7× 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 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
- 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
- How to read an EOB line by line
Other procedures in Montana
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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