Knee Arthroscopy Cost in Tennessee (2026): Average Prices & What You'll Pay
What does a knee arthroscopy cost in Tennessee?
The same knee arthroscopy in Tennessee might cost you $1,257 at one facility and $2,154 at another - the building you walk into drives the difference. The median cash price across 73 reporting hospitals is $1,700. These figures come straight from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.
Once you have a bill or an appointment on the calendar, CostKits can help you keep it all organized.
Where knee arthroscopy costs vary in Tennessee
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 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 Tennessee
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs median ($1,700) |
|---|---|---|---|---|
| 1 | TRISTAR ASHLAND CITY MEDICAL CENTER | Ashland City, TN | $936 | $764 below |
| 2 | PARKRIDGE EAST HOSPITAL | East Ridge, TN | $936 | $764 below |
| 3 | Baptist Memorial Hospital-Memphis | Memphis, TN | $936 | $764 below |
| 4 | Baptist Memorial Hospital-Union City | Union City, TN | $936 | $764 below |
| 5 | Baptist Memorial Hospital-Carroll County | Huntingdon, TN | $936 | $764 below |
| 6 | Saint Thomas Regional Hospitals | TN | $1,075 | $625 below |
| 7 | Hardin County General Hospital | Savannah, TN | $1,115 | $585 below |
| 8 | TRISTAR HENDERSONVILLE MEDICAL CENTER | Portland, TN | $1,257 | $443 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
- TRISTAR ASHLAND CITY MEDICAL CENTER is the lowest-cost option at $936 - $764 below the median posted price ($1,700), just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $1,700, 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) | — | $3,343 to $3,343 | $3,343 |
| With insurance (commercial, average) | 57 | $1,482 to $4,222 | $2,946 |
| Without insurance (cash price) | 76 | $936 to $4,348 | $1,700 |
| BlueCross BlueShield of Tennessee | 45 | $1,391 to $3,474 | $1,935 |
| Cigna | 50 | $1,085 to $8,960 | $2,311 |
| Aetna | 38 | $1,419 to $7,182 | $3,710 |
| UnitedHealthcare | 34 | $2,397 to $5,870 | $3,226 |
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 Tennessee?
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 Tennessee?
Across 57 Tennessee hospitals, the negotiated rates commercial insurers pay for knee arthroscopy average $1,482 to $4,222 per hospital, with a median near $2,946. 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 Tennessee?
Cash (self-pay) prices for knee arthroscopy at 76 Tennessee hospitals range from $936 to $4,348, with a median of $1,700. 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 BlueCross BlueShield of Tennessee?
BlueCross BlueShield of Tennessee negotiated rates for knee arthroscopy at 45 Tennessee hospitals range from $1,391 to $3,474, with a median near $1,935. 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 Cigna in Tennessee?
Cigna negotiated rates for knee arthroscopy at 50 Tennessee hospitals range from $1,085 to $8,960, with a median near $2,311. 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 knee arthroscopy cost with Aetna in Tennessee?
Aetna negotiated rates for knee arthroscopy at 38 Tennessee hospitals range from $1,419 to $7,182, with a median near $3,710. 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 UnitedHealthcare in Tennessee?
UnitedHealthcare negotiated rates for knee arthroscopy at 34 Tennessee hospitals range from $2,397 to $5,870, with a median near $3,226. 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 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.
- Facility fee $761–$10,573
- Professional fee $630–$3,368
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $2,153–$6,274
- Professional fee $630–$3,368
Estimated from CMS fee schedules + commercial rate multipliers
HCA Healthcare, headquartered in Nashville, has significant hospital presence in its home state, creating pricing patterns more aligned with for-profit hospital economics than nonprofit systems in comparable markets. Vanderbilt University Medical Center anchors the Nashville academic tier. Tennessee has not expanded Medicaid under the ACA, maintaining a high uninsured rate that influences facility pricing structures.
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Why prices vary - and what it means for your coverage
A small number of hospitals (9) report prices above $3,870, including Shelby County Health Care Corporation at $10,573, 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 $1,700 versus $3,298 inpatient (about 1.9× more), so where a procedure happens often matters more than which hospital you pick.
None of the prices above are what you'll necessarily owe: your deductible, out-of-pocket maximum, and each provider's network status all still apply.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$1,700 |
| Deductible met - 20% coinsurance | ~$340 |
| Out-of-network provider | $3,740+ |
Frequently asked questions: knee arthroscopy costs in Tennessee
How much does a knee arthroscopy cost in Tennessee?
The typical insurer-negotiated rate is $1,257, with most facilities between $936 and $1,805 (based on 73 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Tennessee hospitals run $936–$4,348; 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 Tennessee?
Based on declared prices, the lowest posted price in our Tennessee data is TRISTAR ASHLAND CITY MEDICAL CENTER in Ashland City at about $936. By metro, Chattanooga has the lowest median ($1,257). 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 Tennessee hospitals?
Typical prices vary about 1.9× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Tennessee, the median cash (self-pay) price is $1,700 versus a median negotiated rate of $2,946 - 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 Tennessee?
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
- Deductible vs out-of-pocket max
- How to negotiate your medical bills
- EOB vs medical bill: complete guide
- Already have a bill? Check it for errors
- Understanding your UnitedHealthcare EOB
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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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