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

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

What does a deviated septum surgery cost in Michigan?

The same deviated septum surgery in Michigan might cost you $1,152 at one facility and $3,283 at another - the building you walk into drives the difference. The median cash price across 84 reporting hospitals is $1,727. 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 Michigan, from hospital price files

  • Corewell Health Farmington Hills Hospital · Farmington Hills, MI $793
  • Oakwood Healthcare Inc · Dearborn, MI $793
  • Henry Ford Health $805

All 84 facilities are listed below, free.

Where deviated septum surgery costs vary in Michigan

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 Michigan

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

# Facility City Price vs median ($1,727)
1 Corewell Health Farmington Hills Hospital Farmington Hills, MI $793 $934 below
2 Oakwood Healthcare Inc Dearborn, MI $793 $934 below
3 Henry Ford Health MI $805 $922 below
4 Henry Ford Health MI $850 $877 below
5 Henry Ford Health MI $859 $868 below
6 William Beaumont Hospital Troy, MI $886 $841 below
7 William Beaumont Hospital Grosse Pointe, MI $890 $837 below
8 Lakeland Hospitals at Niles and St Joseph Inc St Joseph, MI $973 $754 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

  • Corewell Health Farmington Hills Hospital is the lowest-cost option at $793 - $934 below the median posted price ($1,727), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $1,727, 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 Michigan, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$3,387 to $3,387$3,387
With insurance (commercial, average)80$788 to $5,143$1,215
Without insurance (cash price)87$800 to $3,893$1,727
Blue Cross Blue Shield of Michigan60$411 to $3,786$1,363
UnitedHealthcare39$413 to $3,307$772
Cigna39$464 to $5,841$3,268
Aetna36$380 to $1,616$856

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 Michigan?

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 Michigan?

Across 80 Michigan hospitals, the negotiated rates commercial insurers pay for deviated septum surgery average $788 to $5,143 per hospital, with a median near $1,215. 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 Michigan?

Cash (self-pay) prices for deviated septum surgery at 87 Michigan hospitals range from $800 to $3,893, with a median of $1,727. 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 Blue Shield of Michigan?

Blue Cross Blue Shield of Michigan negotiated rates for deviated septum surgery at 60 Michigan hospitals range from $411 to $3,786, with a median near $1,363. 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 Michigan?

UnitedHealthcare negotiated rates for deviated septum surgery at 39 Michigan hospitals range from $413 to $3,307, with a median near $772. 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 Cigna in Michigan?

Cigna negotiated rates for deviated septum surgery at 39 Michigan hospitals range from $464 to $5,841, with a median near $3,268. 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 much does a deviated septum surgery cost with Aetna in Michigan?

Aetna negotiated rates for deviated septum surgery at 36 Michigan hospitals range from $380 to $1,616, with a median near $856. 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.

Hospital Outpatient
$1,435–$24,735
  • Facility fee $430–$22,055
  • Professional fee $1,005–$2,680

Estimated from CMS fee schedules + commercial rate multipliers

Hospital Inpatient
$1,435–$5,925
  • Facility fee $430–$3,245
  • Professional fee $1,005–$2,680

Estimated from CMS fee schedules + commercial rate multipliers

Corewell Health (formed from Beaumont Health and Spectrum Health) and Henry Ford Health System are the dominant systems in Southeast and West Michigan respectively, with the University of Michigan Health anchoring academic care. Michigan's hospital market has consolidated significantly over the past decade. The Upper Peninsula operates as a separate, low-competition market with several critical access hospitals.

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Why prices vary - and what it means for your coverage

A small number of hospitals (7) report prices above $6,600, including UP Health System - Portage at $5,427, 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 $1,727 versus $872 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 ~$1,727
Deductible met - 20% coinsurance ~$345
Out-of-network provider $3,799+

Frequently asked questions: deviated septum surgery costs in Michigan

How much does a deviated septum surgery cost in Michigan?

The typical insurer-negotiated rate is $1,129, with most facilities between $491 and $1,727 (based on 84 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Michigan hospitals run $800–$3,893; 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 Michigan?

Based on declared prices, the lowest posted price in our Michigan data is Corewell Health Farmington Hills Hospital in Farmington Hills at about $793. By metro, Saginaw has the lowest median ($1,268). 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 Michigan hospitals?

Typical prices vary about 3.5× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Michigan, the median cash (self-pay) price is $1,727 versus a median negotiated rate of $1,215 - about 1.4× higher. 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 Michigan?

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 Michigan

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 Michigan

Ear, nose and throat

Imaging and scans

Heart and cardiac tests

Sleep and breathing tests

Scopes and screening

Bone, joint and pain

General surgery

Lab tests

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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