Pacemaker Surgery Cost in Florida (2026): Average Prices & What You'll Pay
What does a pacemaker surgery cost in Florida?
The same pacemaker surgery in Florida might cost you $5,670 at one facility and $11,869 at another - the building you walk into drives the difference. The median cash price across 135 reporting hospitals is $8,363. 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 pacemaker surgery costs vary in Florida
Pins show hospitals with price-transparency data (colored by vs. state average) and nearby outpatient clinics 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 pacemaker surgery depends on where you go and what is billed separately. Most patients find out after.
Your personalized cost report includes:
- ✓ The device: The pacemaker is often billed as a separate supply, and the model chosen changes the total.
- ✓ Single, dual or biventricular: The number of wires (leads) changes the procedure and 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
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Cheapest Pacemaker Surgery Providers in Florida
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs median ($8,363) |
|---|---|---|---|---|
| 1 | HCA FLORIDA OSCEOLA HOSPITAL | St. Cloud, FL | $3,950 | $4,413 below |
| 2 | HCA FLORIDA MERCY HOSPITAL | Miami, FL | $3,950 | $4,413 below |
| 3 | HCA FLORIDA AVENTURA HOSPITAL | Hialeah, FL | $3,950 | $4,413 below |
| 4 | HCA FLORIDA KENDALL HOSPITAL | Homestead, FL | $3,950 | $4,413 below |
| 5 | HCA FLORIDA WESTSIDE HOSPITAL | Plantation, FL | $3,950 | $4,413 below |
| 6 | HCA FLORIDA PALMS WEST HOSPITAL | Loxahatchee, FL | $3,950 | $4,413 below |
| 7 | OVIEDO MEDICAL CENTER | Orlando, FL | $3,950 | $4,413 below |
| 8 | HCA FLORIDA POINCIANA HOSPITAL | Davenport, FL | $3,950 | $4,413 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
- HCA FLORIDA OSCEOLA HOSPITAL is the lowest-cost option at $3,950 - $4,413 below the median posted price ($8,363), just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $8,363, and it's often lower than what insurance pays before your deductible is satisfied.
- Doctor offices and independent clinics may charge differently from hospitals for the same service and may not appear in this hospital-only dataset. Ask your doctor whether another site is an option.
| Coverage | Hospitals with a rate | Typical range | Median |
|---|---|---|---|
| Medicare (national rate) | — | $10,678 to $10,678 | $10,678 |
| With insurance (commercial, average) | 95 | $10,197 to $25,931 | $18,591 |
| Without insurance (cash price) | 136 | $3,950 to $29,529 | $8,363 |
| Florida Blue | 58 | $8,764 to $20,798 | $13,571 |
| Aetna | 72 | $995 to $69,073 | $33,093 |
| Cigna | 59 | $14,499 to $44,239 | $23,547 |
| UnitedHealthcare | 25 | $9,008 to $32,975 | $17,739 |
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 pacemaker surgery cost with Medicare in Florida?
Medicare's national hospital outpatient payment for pacemaker surgery is about $10,678 to $10,678 (typically near $10,678). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $2,136 on a $10,678 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 pacemaker surgery cost with insurance in Florida?
Across 95 Florida hospitals, the negotiated rates commercial insurers pay for pacemaker surgery average $10,197 to $25,931 per hospital, with a median near $18,591. 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 pacemaker surgery cost without insurance in Florida?
Cash (self-pay) prices for pacemaker surgery at 136 Florida hospitals range from $3,950 to $29,529, with a median of $8,363. 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 pacemaker surgery cost with Florida Blue?
Florida Blue negotiated rates for pacemaker surgery at 58 Florida hospitals range from $8,764 to $20,798, with a median near $13,571. 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 pacemaker surgery cost with Aetna in Florida?
Aetna negotiated rates for pacemaker surgery at 72 Florida hospitals range from $995 to $69,073, with a median near $33,093. 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 pacemaker surgery cost with Cigna in Florida?
Cigna negotiated rates for pacemaker surgery at 59 Florida hospitals range from $14,499 to $44,239, with a median near $23,547. 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 pacemaker surgery cost with UnitedHealthcare in Florida?
UnitedHealthcare negotiated rates for pacemaker surgery at 25 Florida hospitals range from $9,008 to $32,975, with a median near $17,739. 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 pacemaker surgery
The same pacemaker 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 $3,242–$82,692
- Professional fee $659–$1,992
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $6,516–$52,249
- Professional fee $659–$1,992
Estimated from CMS fee schedules + commercial rate multipliers
Florida has one of the most fragmented hospital markets in the country - HCA Healthcare (the nation's largest for-profit system, headquartered in Nashville), AdventHealth, BayCare, and dozens of independents compete aggressively in major metros. South Florida prices track higher than the rest of the state, driven by higher wage indices and a larger share of complex specialty care. Rural northern Florida has extensive critical access hospital coverage.
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Why prices vary - and what it means for your coverage
A small number of hospitals (13) report prices above $33,726, including H. Lee Moffitt Cancer Center and Research Institute Hospital, Inc. at $82,692, 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 $8,320 versus $19,692 inpatient (about 2.4× more), so where a procedure happens often matters more than which hospital you pick. Setting drives much of the spread here: whether the hospital bills the stay as outpatient or inpatient changes the facility fee, which is why two similar hospitals can bill very differently for the same procedure.
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 | ~$8,363 |
| Deductible met - 20% coinsurance | ~$1,673 |
| Out-of-network provider | $18,399+ |
Frequently asked questions: pacemaker surgery costs in Florida
How much does a pacemaker surgery cost in Florida?
The typical insurer-negotiated rate is $5,003, with most facilities between $2,250 and $7,990 (based on 127 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Florida hospitals run $3,950–$29,529; 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 pacemaker surgery in Florida?
Based on declared prices, the lowest posted price in our Florida data is HCA FLORIDA OSCEOLA HOSPITAL in St. Cloud at about $3,950. By metro, Jacksonville has the lowest median ($6,516).
Why is a pacemaker surgery so much cheaper at some Florida 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 Florida, the median cash (self-pay) price is $8,363 versus a median negotiated rate of $18,591 - 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 pacemaker surgery in Florida?
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
- Allowed amount vs negotiated rate: what your EOB is really saying
- How to read your medical bill
- Deductible vs out-of-pocket max
- Already have a bill? Check it for errors
- How to read a Medicare Summary Notice
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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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