Deviated Septum Surgery Cost in Montana (2026): Average Prices & What You'll Pay
What does a deviated septum surgery cost in Montana?
Where you have a deviated septum surgery done in Montana swings the bill from $1,259 to $3,275 for identical care. The median cash price across 16 reporting hospitals is $1,875. The numbers are pulled directly from federally mandated hospital price transparency files. The sections below break this down by coverage and by insurer.
Three low-priced facilities in Montana, from hospital price files
- Fallon Medical Complex · Baker, MT $1,074
- MADISON VALLEY HOSPITAL INC · Ennis, MT $1,095
- Sidney Health Center · Sidney, MT $1,112
All 16 facilities are listed below, free.
Where deviated septum surgery costs vary in Montana
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 Montana
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs median ($1,875) |
|---|---|---|---|---|
| 1 | Fallon Medical Complex | Baker, MT | $1,074 | $801 below |
| 2 | MADISON VALLEY HOSPITAL INC | Ennis, MT | $1,095 | $780 below |
| 3 | Sidney Health Center | Sidney, MT | $1,112 | $763 below |
| 4 | Deaconess Regional Medical Center | Bozeman, MT | $1,406 | $469 below |
| 5 | Big Sky Medical Center | Big Sky, MT | $1,406 | $469 below |
| 6 | Mineral Community Hospital | MT | $1,726 | $149 below |
| 7 | Bitterroot Health - Daly Hospital | Hamilton, MT | $2,024 | $149 above |
| 8 | Billings Clinic | Billings, MT | $2,879 | $1,004 above |
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
- Fallon Medical Complex is the lowest-cost option at $1,074 - $801 below the median posted price ($1,875), just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $1,875, 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.
| Coverage | Hospitals with a rate | Typical range | Median |
|---|---|---|---|
| Medicare (national rate) | — | $3,387 to $3,387 | $3,387 |
| With insurance (commercial, average) | 8 | $1,621 to $7,703 | $4,584 |
| Without insurance (cash price) | 16 | $1,062 to $6,352 | $1,875 |
| Blue Cross and Blue Shield of Montana | 5 | $1,347 to $7,192 | $1,683 |
| UnitedHealthcare | 3 | $1,758 to $1,915 | $1,758 |
| Cigna | 3 | $1,898 to $1,943 | $1,898 |
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 Montana?
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 Montana?
Across 8 Montana hospitals, the negotiated rates commercial insurers pay for deviated septum surgery average $1,621 to $7,703 per hospital, with a median near $4,584. 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 Montana?
Cash (self-pay) prices for deviated septum surgery at 16 Montana hospitals range from $1,062 to $6,352, with a median of $1,875. 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 Montana?
Blue Cross and Blue Shield of Montana negotiated rates for deviated septum surgery at 5 Montana hospitals range from $1,347 to $7,192, with a median near $1,683. 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 Montana?
UnitedHealthcare negotiated rates for deviated septum surgery at 3 Montana hospitals range from $1,758 to $1,915, with a median near $1,758. 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 Montana?
Cigna negotiated rates for deviated septum surgery at 3 Montana hospitals range from $1,898 to $1,943, with a median near $1,898. 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.
- Facility fee $776–$11,928
- Professional fee $1,005–$2,680
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $1,726–$2,024
- Professional fee $1,005–$2,680
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.
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Why prices vary - and what it means for your coverage
A small number of hospitals (2) report prices above $6,656, including Great Falls Clinic Hospital at $11,928, 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 $1,875 versus $1,875 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.
On top of the facility price, your actual bill depends on your deductible, your out-of-pocket maximum, and whether every provider involved - not just the facility - is in-network.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$1,875 |
| Deductible met - 20% coinsurance | ~$375 |
| Out-of-network provider | $4,125+ |
Frequently asked questions: deviated septum surgery costs in Montana
How much does a deviated septum surgery cost in Montana?
The typical insurer-negotiated rate is $1,634, with most facilities between $912 and $3,294 (based on 15 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Montana hospitals run $1,062–$6,352; 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 Montana?
Based on declared prices, the lowest posted price in our Montana data is Fallon Medical Complex in Baker at about $1,074. 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 Montana hospitals?
Typical prices vary about 3.6× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Montana, the median cash (self-pay) price is $1,875 versus a median negotiated rate of $4,584 - 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 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
- 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 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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