Deviated Septum Surgery Cost in Iowa (2026): Average Prices & What You'll Pay
What does a deviated septum surgery cost in Iowa?
The same deviated septum surgery in Iowa might cost you $1,639 at one facility and $2,852 at another - the building you walk into drives the difference. The median cash price across 33 reporting hospitals is $2,234. These figures come straight from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.
Three low-priced facilities in Iowa, from hospital price files
- MercyOne Genesis Davenport Medical Center · Davenport, IA $1,209
- MercyOne Genesis DeWitt Medical Center · Dewitt, IA $1,209
- Broadlawns Medical Center · Des Moines, IA $1,225
All 33 facilities are listed below, free.
Where deviated septum surgery costs vary in Iowa
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.
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 Iowa
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs median ($2,234) |
|---|---|---|---|---|
| 1 | MercyOne Genesis Davenport Medical Center | Davenport, IA | $1,209 | $1,025 below |
| 2 | MercyOne Genesis DeWitt Medical Center | Dewitt, IA | $1,209 | $1,025 below |
| 3 | Broadlawns Medical Center | Des Moines, IA | $1,225 | $1,009 below |
| 4 | Mary Greeley Medical Center | IA | $1,245 | $989 below |
| 5 | ALEGENT HEALTH BERGAN MERCY HEALTH SYSTEM | Council Bluffs, IA | $1,284 | $950 below |
| 6 | Pella Regional Health Center | Pella, IA | $1,565 | $669 below |
| 7 | St Luke'sJones Regional Medical Center | Anamosa, IA | $1,590 | $644 below |
| 8 | Stewart Memorial Community Hospital | Lake City, IA | $1,688 | $546 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
- 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?
Estimate your out-of-pocket cost → · When the bills arrive, we check them for errors →
Quick take
- MercyOne Genesis Davenport Medical Center is the lowest-cost option at $1,209 - $1,025 below the median posted price ($2,234), just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $2,184, and it's often lower than what insurance pays before your deductible is satisfied.
- Freestanding ambulatory surgical centers (ASCs) are often 30-60% cheaper than hospital outpatient departments for the same procedure and may not appear in this hospital-only dataset - ask your doctor if one is an option.
| Coverage | Hospitals with a rate | Typical range | Median |
|---|---|---|---|
| Medicare (national rate) | — | $3,387 to $3,387 | $3,387 |
| With insurance (commercial, average) | 20 | $1,447 to $6,791 | $5,429 |
| Without insurance (cash price) | 34 | $1,203 to $3,113 | $2,184 |
| Wellmark Blue Cross and Blue Shield | 6 | $991 to $4,602 | $1,401 |
| UnitedHealthcare | 15 | $905 to $8,765 | $6,838 |
| Aetna | 13 | $1,666 to $7,970 | $7,118 |
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 Iowa?
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 Iowa?
Across 20 Iowa hospitals, the negotiated rates commercial insurers pay for deviated septum surgery average $1,447 to $6,791 per hospital, with a median near $5,429. 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 Iowa?
Cash (self-pay) prices for deviated septum surgery at 34 Iowa hospitals range from $1,203 to $3,113, with a median of $2,184. 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 Wellmark Blue Cross and Blue Shield in Iowa?
Wellmark Blue Cross and Blue Shield negotiated rates for deviated septum surgery at 6 Iowa hospitals range from $991 to $4,602, with a median near $1,401. 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 Iowa?
UnitedHealthcare negotiated rates for deviated septum surgery at 15 Iowa hospitals range from $905 to $8,765, with a median near $6,838. 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 Iowa?
Aetna negotiated rates for deviated septum surgery at 13 Iowa hospitals range from $1,666 to $7,970, with a median near $7,118. 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 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.
- Facility fee $883–$23,558
- Professional fee $1,005–$2,680
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $883–$23,558
- Professional fee $1,005–$2,680
Estimated from CMS fee schedules + commercial rate multipliers
Iowa's hospital market is dominated by UnityPoint Health and MercyOne (CommonSpirit), with relatively limited inter-system competition in most markets. Des Moines prices run below national averages, but facility fees at affiliated hospital systems can add substantially to the base service rates. University of Iowa Hospitals & Clinics is the primary academic referral center.
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Why prices vary - and what it means for your coverage
A small number of hospitals (2) report prices above $5,288, including Southeast Iowa Regional Medical Center INC at $4,557, 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 $2,688 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.
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 | ~$2,234 |
| Deductible met - 20% coinsurance | ~$447 |
| Out-of-network provider | $4,915+ |
Frequently asked questions: deviated septum surgery costs in Iowa
How much does a deviated septum surgery cost in Iowa?
The typical insurer-negotiated rate is $1,225, with most facilities between $617 and $2,781 (based on 33 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Iowa hospitals run $1,203–$3,113; 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 Iowa?
Based on declared prices, the lowest posted price in our Iowa data is MercyOne Genesis Davenport Medical Center in Davenport at about $1,209. By metro, Davenport has the lowest median ($1,180). 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 Iowa hospitals?
Typical prices vary about 4.5× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Iowa, the median cash (self-pay) price is $2,184 versus a median negotiated rate of $5,429 - 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 Iowa?
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
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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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