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

Knee Arthroscopy Cost in Indiana (2026): Average Prices & What You'll Pay

What does a knee arthroscopy cost in Indiana?

Where you have a knee arthroscopy done in Indiana swings the bill from $817 to $3,463 for identical care. The median cash price across 97 reporting hospitals is $1,728. The numbers are pulled directly from federally mandated hospital price transparency files. The sections below break this down by coverage and by insurer.

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Where knee arthroscopy costs vary in Indiana

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 knee arthroscopy depends on where you go and what is billed separately. Most patients find out after.

Your personalized cost report includes:

  • ✓ What is done inside the knee: Trimming a meniscus, repairing it, or removing loose tissue are different procedures with different prices.
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Cheapest Knee Arthroscopy Providers in Indiana

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

# Facility City Price vs median ($1,728)
1 St. Vincent Williamsport Hospital, Inc. IN $753 $975 below
2 St. Vincent Anderson Regional Hospital, Inc. IN $753 $975 below
3 St. Vincent Randolph Hospital, Inc. IN $753 $975 below
4 St. Vincent Clay Hospital, Inc. IN $753 $975 below
5 St. Mary's Health, Inc. IN $753 $975 below
6 St. Mary's Warrick Hospital, Inc. IN $753 $975 below
7 St. Vincent Heart Center of Indiana LLC IN $753 $975 below
8 St. Vincent Fishers Hospital, Inc. IN $753 $975 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. Vincent Williamsport Hospital, Inc. is the lowest-cost option at $753 - $975 below the median posted price ($1,728), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $1,728, and it's often lower than what insurance pays before your deductible is satisfied.
  • This dataset covers hospitals only - freestanding ASCs, which routinely run 30-60% cheaper for the same procedure, aren't included, so it's worth asking your doctor whether one is an option.
Knee arthroscopy prices by coverage in Indiana, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$3,343 to $3,343$3,343
With insurance (commercial, average)43$510 to $9,260$3,248
Without insurance (cash price)94$753 to $12,170$1,728
Anthem Blue Cross and Blue Shield38$490 to $15,236$3,406
UnitedHealthcare20$657 to $4,660$3,122
Aetna18$510 to $4,014$1,200
Humana17$574 to $3,794$3,406

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 knee arthroscopy cost with Medicare in Indiana?

Medicare's national hospital outpatient payment for knee arthroscopy is about $3,343 to $3,343 (typically near $3,343). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $669 on a $3,343 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 knee arthroscopy cost with insurance in Indiana?

Across 43 Indiana hospitals, the negotiated rates commercial insurers pay for knee arthroscopy average $510 to $9,260 per hospital, with a median near $3,248. 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 knee arthroscopy cost without insurance in Indiana?

Cash (self-pay) prices for knee arthroscopy at 94 Indiana hospitals range from $753 to $12,170, with a median of $1,728. 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 knee arthroscopy cost with Anthem Blue Cross and Blue Shield in Indiana?

Anthem Blue Cross and Blue Shield negotiated rates for knee arthroscopy at 38 Indiana hospitals range from $490 to $15,236, with a median near $3,406. 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 knee arthroscopy cost with UnitedHealthcare in Indiana?

UnitedHealthcare negotiated rates for knee arthroscopy at 20 Indiana hospitals range from $657 to $4,660, with a median near $3,122. 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 knee arthroscopy cost with Aetna in Indiana?

Aetna negotiated rates for knee arthroscopy at 18 Indiana hospitals range from $510 to $4,014, with a median near $1,200. 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 knee arthroscopy cost with Humana in Indiana?

Humana negotiated rates for knee arthroscopy at 17 Indiana hospitals range from $574 to $3,794, with a median near $3,406. If a hospital is out of network for your Humana plan, you may owe more than the negotiated rate, so check the network first.

How where you go changes what you pay for knee arthroscopy

The same knee arthroscopy 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
$812–$33,321
  • Facility fee $182–$29,953
  • Professional fee $630–$3,368

Estimated from CMS fee schedules + commercial rate multipliers

Hospital Inpatient
$812–$33,321
  • Facility fee $182–$29,953
  • Professional fee $630–$3,368

Estimated from CMS fee schedules + commercial rate multipliers

Indiana has one of the most concentrated hospital markets in the Midwest, which the FTC has previously flagged as insufficiently competitive. Indiana University Health and Ascension St. Vincent hold significant combined market share in Indianapolis. The lack of robust competition is reflected in commercial reimbursement rates that run above the Midwest average.

Received a bill? Check it for errors → Estimate YOUR cost before you go → Managing more than one bill? See the family tracker →

Why prices vary - and what it means for your coverage

A small number of hospitals (12) report prices above $10,780, including Pinnacle Healthcare, LLC at $29,953, 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 $1,728 versus $1,378 inpatient, so where a procedure happens often matters more than which hospital you pick.

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 ~$1,728
Deductible met - 20% coinsurance ~$346
Out-of-network provider $3,802+

Frequently asked questions: knee arthroscopy costs in Indiana

How much does a knee arthroscopy cost in Indiana?

The typical insurer-negotiated rate is $1,076, with most facilities between $156 and $1,905 (based on 96 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Indiana hospitals run $753–$12,170; 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 knee arthroscopy in Indiana?

Based on declared prices, the lowest posted price in our Indiana data is St. Vincent Williamsport Hospital, Inc. at about $753. By metro, Indianapolis has the lowest median ($817). 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 knee arthroscopy so much cheaper at some Indiana hospitals?

Typical prices vary about 12.2× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Indiana, the median cash (self-pay) price is $1,728 versus a median negotiated rate of $3,248 - 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 knee arthroscopy in Indiana?

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

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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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Published October 29, 2026 · Updated October 29, 2026

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