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

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

What does a deviated septum surgery cost in New Jersey?

You could pay $3,437 or $4,202 for the same deviated septum surgery in New Jersey - depending entirely on which facility you choose. The median cash price across 42 reporting hospitals is $3,650. This data comes directly 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 deviated septum surgery costs vary in New Jersey

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 New Jersey

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

# Facility City Price vs median ($3,650)
1 St Luke's Warren Hospital Phillipsburg, NJ $1,650 $2,000 below
2 Robert Wood Johnson University Hospital Rahway Rahway, NJ $2,544 $1,106 below
3 Clara Maass Medical Center Belleville, NJ $2,887 $763 below
4 Newark Beth Israel Medical Center Newark, NJ $2,963 $687 below
5 AtlantiCare Health System NJ $3,243 $407 below
6 Monmouth Medical Center Long Branch, NJ $3,266 $384 below
7 Community Medical Center Toms River, NJ $3,266 $384 below
8 Cooperman Barnabas Medical Center Livingston, NJ $3,266 $384 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

  • St Luke's Warren Hospital is the lowest-cost option at $1,650 - $2,000 below the median posted price ($3,650), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $3,650, 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 New Jersey, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$3,387 to $3,387$3,387
With insurance (commercial, average)40$3,861 to $11,670$5,625
Without insurance (cash price)45$1,588 to $9,237$3,650
Horizon Blue Cross Blue Shield of New Jersey29$420 to $15,866$5,051
Aetna36$2,601 to $13,320$7,033
UnitedHealthcare29$3,446 to $8,663$4,094
Cigna27$2,933 to $6,987$4,618

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 New Jersey?

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 New Jersey?

Across 40 New Jersey hospitals, the negotiated rates commercial insurers pay for deviated septum surgery average $3,861 to $11,670 per hospital, with a median near $5,625. 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 New Jersey?

Cash (self-pay) prices for deviated septum surgery at 45 New Jersey hospitals range from $1,588 to $9,237, with a median of $3,650. 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 Horizon Blue Cross Blue Shield of New Jersey?

Horizon Blue Cross Blue Shield of New Jersey negotiated rates for deviated septum surgery at 29 New Jersey hospitals range from $420 to $15,866, with a median near $5,051. 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 Aetna in New Jersey?

Aetna negotiated rates for deviated septum surgery at 36 New Jersey hospitals range from $2,601 to $13,320, with a median near $7,033. 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 UnitedHealthcare in New Jersey?

UnitedHealthcare negotiated rates for deviated septum surgery at 29 New Jersey hospitals range from $3,446 to $8,663, with a median near $4,094. 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 New Jersey?

Cigna negotiated rates for deviated septum surgery at 27 New Jersey hospitals range from $2,933 to $6,987, with a median near $4,618. 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
$1,887–$17,425
  • Facility fee $882–$14,745
  • Professional fee $1,005–$2,680

Estimated from CMS fee schedules + commercial rate multipliers

New Jersey has a dense hospital landscape with RWJBarnabas Health, Atlantic Health System, Hackensack Meridian Health, and others competing for commercial contracts - but high labor costs, real estate, and regulatory burden keep prices elevated despite the competition. Northern New Jersey facilities are influenced by New York City-adjacent wage indices, which are among the highest in the country.

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Why prices vary - and what it means for your coverage

A small number of hospitals (7) report prices above $5,918, including Cooper University Hospital Cape Regional at $14,745, which drives most of the overall spread - excluding them, most facilities cluster in a much tighter band. Facility classification matters as much as the hospital itself - a hospital-owned outpatient center adds a facility fee that a freestanding clinic does not. 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 ~$3,650
Deductible met - 20% coinsurance ~$730
Out-of-network provider $8,030+

Frequently asked questions: deviated septum surgery costs in New Jersey

How much does a deviated septum surgery cost in New Jersey?

The typical insurer-negotiated rate is $1,578, with most facilities between $481 and $3,245 (based on 42 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of New Jersey hospitals run $1,588–$9,237; 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 New Jersey?

Based on declared prices, the lowest posted price in our New Jersey data is St Luke's Warren Hospital in Phillipsburg at about $1,650. By metro, Elizabeth has the lowest median ($3,984). 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 New Jersey hospitals?

Typical prices vary about 6.7× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In New Jersey, the median cash (self-pay) price is $3,650 versus a median negotiated rate of $5,625 - 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 New Jersey?

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 New Jersey

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 New Jersey

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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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