Colonoscopy Cost in Memphis, TN (2026): Average Prices & What You'll Pay
What does a colonoscopy cost in Memphis, TN?
The same colonoscopy in Memphis, TN might cost you $518 at one facility and $1,573 at another - the building you walk into drives the difference. The median cash price across 18 reporting hospitals is $793. These figures come straight from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.
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Where colonoscopy costs vary in Memphis, 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.
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Cheapest Colonoscopy Providers in Memphis, TN
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs Median |
|---|---|---|---|---|
| 1 | Baptist Memorial Hospital-Crittenden | West Memphis, TN | $250 | -$543 |
| 2 | Hospital name hidden | Your City, TN | $918 | -$000 |
| 3 | Baptist Memorial Hospital-DeSoto | Southaven, TN | $495 | -$298 |
| 4 | Hospital name hidden | Your City, TN | $916 | -$000 |
| 5 | Hospital name hidden | Your City, TN | $915 | -$000 |
| 6 | Hospital name hidden | Your City, TN | $914 | -$000 |
| 7 | Baptist Memorial Hospital-Collierville | Collierville, TN | $793 | +$0 |
| 8 | Hospital name hidden | Your City, TN | $912 | -$000 |
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Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
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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
- Baptist Memorial Hospital-Crittenden is the lowest-cost option at $250 - $543 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 $793, 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) | — | $950 to $2,352 | $1,223 |
| With insurance (commercial, average) | 8 | $701 to $2,327 | $964 |
| Without insurance (cash price) | 18 | $246 to $1,935 | $793 |
| BlueCross BlueShield of Tennessee | 3 | $278 to $5,123 | $711 |
| UnitedHealthcare | 8 | $809 to $2,244 | $1,105 |
| Cigna | 8 | $264 to $1,657 | $1,243 |
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 colonoscopy cost with Medicare in Memphis, TN?
Medicare's national hospital outpatient payment for colonoscopy is about $950 to $2,352 (typically near $1,223). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $245 on a $1,223 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 colonoscopy cost with insurance in Memphis, TN?
Across 8 Memphis, TN hospitals, the negotiated rates commercial insurers pay for colonoscopy average $701 to $2,327 per hospital, with a median near $964. 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 colonoscopy cost without insurance in Memphis, TN?
Cash (self-pay) prices for colonoscopy at 18 Memphis, TN hospitals range from $246 to $1,935, with a median of $793. 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 colonoscopy cost with BlueCross BlueShield of Tennessee in Memphis, TN?
BlueCross BlueShield of Tennessee negotiated rates for colonoscopy at 3 Memphis, TN hospitals range from $278 to $5,123, with a median near $711. 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 colonoscopy cost with UnitedHealthcare in Memphis, TN?
UnitedHealthcare negotiated rates for colonoscopy at 8 Memphis, TN hospitals range from $809 to $2,244, with a median near $1,105. 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 much does a colonoscopy cost with Cigna in Memphis, TN?
Cigna negotiated rates for colonoscopy at 8 Memphis, TN hospitals range from $264 to $1,657, with a median near $1,243. If a hospital is out of network for your Cigna 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. Colonoscopy pricing is particularly sensitive to screening vs. diagnostic coding. A screening colonoscopy is typically covered at 100% under preventive care benefits, but if a polyp is removed or a finding is documented during the same visit, the claim is often re-coded as diagnostic - triggering your deductible and coinsurance. Ambulatory surgery centers perform over 70% of colonoscopies nationally and charge substantially less than hospital outpatient settings.
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Why prices vary - and what it means for your coverage
Setting matters too: the median outpatient price is $793 versus $1,971 inpatient (about 2.5× more), so where a procedure happens often matters more than which hospital you pick. The biggest swing for this procedure is screening versus diagnostic coding - a polyp removed during a routine screening can recode the whole visit as diagnostic and trigger cost-sharing you weren't expecting.
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 | ~$793 |
| Deductible met - 20% coinsurance | ~$159 |
| Out-of-network provider | $1,745+ |
Frequently asked questions: colonoscopy costs in Memphis, TN
How much does a colonoscopy cost in Memphis, TN?
The typical insurer-negotiated rate is $250, with most facilities between $179 and $495 (based on 17 hospitals reporting negotiated rates). Full market pricing - including cash rates, gross charges, and outlier facilities - ranges more widely, from $205 to $1,971 across all 18 Memphis, 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 colonoscopy in Memphis, TN?
Based on declared prices, the lowest-cost facility in our Memphis, TN data is SAINT FRANCIS HOSPITAL - BARTLETT, INC. in Bartlett at about $205. By metro, Memphis has the lowest median ($1,602). 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 colonoscopy so much cheaper at some Memphis, TN hospitals?
Prices vary up to 9.6× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Memphis, TN, the median cash (self-pay) price is $793 versus a median negotiated rate of $964 - 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 colonoscopy in Memphis, 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
- 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 a Medicare Summary Notice
Other procedures in Memphis, TN
Colonoscopy, elsewhere
What matters before you schedule
ASC vs. hospital
Hospital outpatient departments typically charge 2-4x more than ambulatory surgery centers for the same colonoscopy - 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 colonoscopy involves multiple providers who bill separately - typically Facility Fee, Gastroenterologist 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 colonoscopy changes the billing code, and what you pay. For example: Billed as preventive care - often covered at $0 under the ACA when you are average-risk and in-network.
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 colonoscopy 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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