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Reviewed by John Caruso, FSA, MAAA • Data last updated

Deviated Septum Surgery Cost in Illinois (2026): Average Prices & What You'll Pay

What does a deviated septum surgery cost in Illinois?

You could pay $1,896 or $3,552 for the same deviated septum surgery in Illinois - depending entirely on which facility you choose. The median cash price across 80 reporting hospitals is $3,260. This data comes directly from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.

Once you have a bill or an appointment on the calendar, CostKits can help you keep it all organized.

Where deviated septum surgery costs vary in Illinois

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.

Hospital (below avg) Hospital (above avg) Click a pin for details.

26+ people checked prices near them this month.

What you pay for a deviated septum surgery depends on where you go and what is billed separately. Most patients find out after.

Your personalized cost report includes:

  • ✓ Medical vs. cosmetic: Insurance covers surgery for breathing problems, and cosmetic nose reshaping (rhinoplasty) is not covered and is a different procedure.
  • ✓ Combined procedures: It is often done together with sinus or turbinate surgery, which changes the bill.
  • ✓ Which bills usually arrive separately, and which providers to check are in-network
  • ✓ The questions to ask before you schedule, so the estimate covers everything
  • ✓ A real patient billing breakdown, line by line

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Cheapest Deviated Septum Surgery Providers in Illinois

Based on declared cash/self-pay prices from CMS hospital price transparency files.

# Facility City Price vs median ($3,260)
1 Deaconess Illinois Union County Hospital Inc Anna, IL $856 $2,404 below
2 Deaconess Illinois Red Bud Regional Hospital Inc Red Bud, IL $856 $2,404 below
3 ST JOSEPHS HOSPITAL HOSPITAL SISTERS THIRD ORDER OF ST FRANCIS Breese, IL $856 $2,404 below
4 John H. Stroger, Jr. Hospital Chicago, IL $1,155 $2,105 below
5 Silver Cross Hospital IL $1,160 $2,100 below
6 MercyOne Genesis Aledo Medical Center Aledo, IL $1,209 $2,051 below
7 MercyOne Genesis Silvis Medical Center Silvis, IL $1,209 $2,051 below
8 County of Clay IL $1,222 $2,038 below

Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.

Before you book: three questions that change the price

  1. Is this the self-pay price, and does it include the doctor, anesthesia and any lab or pathology? Those are often billed separately.
  2. Can you give me the price in writing, with the billing codes it covers?
  3. 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

  • Deaconess Illinois Union County Hospital Inc is the lowest-cost option at $856 - $2,404 below the median posted price ($3,260), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $3,144, and it's often lower than what insurance pays before your deductible is satisfied.
  • Ask whether this procedure can be done at a freestanding ambulatory surgical center - they're typically 30-60% cheaper than a hospital for identical care, and most aren't in this hospital-only dataset.
Deviated septum surgery prices by coverage in Illinois, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$3,387 to $3,387$3,387
With insurance (commercial, average)64$671 to $6,596$3,492
Without insurance (cash price)79$856 to $4,901$3,144
Blue Cross and Blue Shield of Illinois36$8 to $4,527$2,778
UnitedHealthcare56$464 to $6,596$3,712
Aetna35$7 to $5,940$2,162
Cigna25$9 to $1,588$933

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 deviated septum surgery cost with Medicare in Illinois?

Medicare's national hospital outpatient payment for deviated septum surgery is about $3,387 to $3,387 (typically near $3,387). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $677 on a $3,387 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 deviated septum surgery cost with insurance in Illinois?

Across 64 Illinois hospitals, the negotiated rates commercial insurers pay for deviated septum surgery average $671 to $6,596 per hospital, with a median near $3,492. 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 deviated septum surgery cost without insurance in Illinois?

Cash (self-pay) prices for deviated septum surgery at 79 Illinois hospitals range from $856 to $4,901, with a median of $3,144. 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 deviated septum surgery cost with Blue Cross and Blue Shield of Illinois?

Blue Cross and Blue Shield of Illinois negotiated rates for deviated septum surgery at 36 Illinois hospitals range from $8 to $4,527, with a median near $2,778. 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 deviated septum surgery cost with UnitedHealthcare in Illinois?

UnitedHealthcare negotiated rates for deviated septum surgery at 56 Illinois hospitals range from $464 to $6,596, with a median near $3,712. 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 deviated septum surgery cost with Aetna in Illinois?

Aetna negotiated rates for deviated septum surgery at 35 Illinois hospitals range from $7 to $5,940, with a median near $2,162. 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 deviated septum surgery cost with Cigna in Illinois?

Cigna negotiated rates for deviated septum surgery at 25 Illinois hospitals range from $9 to $1,588, with a median near $933. 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 where you go changes what you pay for deviated septum surgery

The same deviated septum surgery 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.

Hospital Outpatient
$1,457–$37,511
  • Facility fee $452–$34,831
  • Professional fee $1,005–$2,680

Estimated from CMS fee schedules + commercial rate multipliers

Hospital Inpatient
$1,757–$11,399
  • Facility fee $752–$8,719
  • Professional fee $1,005–$2,680

Estimated from CMS fee schedules + commercial rate multipliers

Illinois presents two distinct markets: Chicago (highly competitive, high commercial rates, major academic medical centers) and downstate (lower density, smaller regional systems, lower rates). Northwestern Medicine, Advocate Aurora Health, and Rush University Medical Center compete aggressively in the Chicago market. Downstate Illinois prices typically run 20–35% below Chicago-area rates for identical services.

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Why prices vary - and what it means for your coverage

A small number of hospitals (7) report prices above $6,621, including CGH Medical Center at $8,719, 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 $3,330 versus $1,209 inpatient, so where a procedure happens often matters more than which hospital you pick. 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 ~$3,260
Deductible met - 20% coinsurance ~$652
Out-of-network provider $7,172+

Frequently asked questions: deviated septum surgery costs in Illinois

How much does a deviated septum surgery cost in Illinois?

The typical insurer-negotiated rate is $1,873, with most facilities between $652 and $3,350 (based on 80 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Illinois hospitals run $856–$4,901; outlier facilities above and below that range are left out. What you pay depends on the facility, your insurance, and whether you have met your deductible.

Where is the cheapest place to get a deviated septum surgery in Illinois?

Based on declared prices, the lowest posted price in our Illinois data is Deaconess Illinois Union County Hospital Inc in Anna at about $856. By metro, Kankakee has the lowest median ($2,918). 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 deviated septum surgery so much cheaper at some Illinois hospitals?

Typical prices vary about 5.1× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Illinois, the median cash (self-pay) price is $3,144 versus a median negotiated rate of $3,492 - 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 deviated septum surgery in Illinois?

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

Other procedures in Illinois

Deviated Septum Surgery, elsewhere

CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).

Other Procedure Costs in Illinois

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Sleep and breathing tests

Scopes and screening

Bone, joint and pain

General surgery

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Urology and women's health

Eye care

Infusions

Emergency care

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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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Published October 29, 2026 · Updated October 29, 2026

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