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

Pacemaker Surgery Cost in Kentucky (2026): Average Prices & What You'll Pay

What does a pacemaker surgery cost in Kentucky?

You could pay $7,144 or $10,357 for the same pacemaker surgery in Kentucky - depending entirely on which facility you choose. The median cash price across 33 reporting hospitals is $8,786. This data comes directly from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.

Three low-priced facilities in Kentucky, from hospital price files

  • Norton Hospitals INC · Louisville, KY $3,643
  • FRANKFORT REGIONAL MEDICAL CENTER · Frankfort, KY $3,850
  • TRISTAR GREENVIEW REGIONAL HOSPITAL · Bowling Green, KY $3,850

All 33 facilities are listed below, free.

Where pacemaker surgery costs vary in Kentucky

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.

Hospital (below avg) Hospital (above avg) Click a pin for details.

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
  • ✓ A real patient billing breakdown, line by line

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Cheapest Pacemaker Surgery Providers in Kentucky

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

# Facility City Price vs median ($8,786)
1 Norton Hospitals INC Louisville, KY $3,643 $5,143 below
2 FRANKFORT REGIONAL MEDICAL CENTER Frankfort, KY $3,850 $4,936 below
3 TRISTAR GREENVIEW REGIONAL HOSPITAL Bowling Green, KY $3,850 $4,936 below
4 UofL Health-Louisville Inc. Louisville, KY $4,175 $4,611 below
5 Ashland Hospital Corporation Ashland, KY $4,180 $4,606 below
6 UofL Health Louisville, KY $5,538 $3,248 below
7 CHI Saint Joseph Health - Saint Joseph London London, KY $5,655 $3,131 below
8 Deaconess Health System Henderson Hospital Henderson, KY $6,891 $1,895 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

  • Norton Hospitals INC is the lowest-cost option at $3,643 - $5,143 below the median posted price ($8,786), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $8,786, 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.
Pacemaker surgery prices by coverage in Kentucky, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$10,678 to $10,678$10,678
With insurance (commercial, average)29$3,610 to $19,752$13,260
Without insurance (cash price)46$3,643 to $13,044$8,786
Anthem Blue Cross and Blue Shield8$3,882 to $23,285$9,783
UnitedHealthcare12$1,679 to $17,130$4,202
Aetna10$2,990 to $13,002$3,644
Cigna4$967 to $11,247$3,014

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 Kentucky?

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 Kentucky?

Across 29 Kentucky hospitals, the negotiated rates commercial insurers pay for pacemaker surgery average $3,610 to $19,752 per hospital, with a median near $13,260. 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 Kentucky?

Cash (self-pay) prices for pacemaker surgery at 46 Kentucky hospitals range from $3,643 to $13,044, with a median of $8,786. 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 Anthem Blue Cross and Blue Shield in Kentucky?

Anthem Blue Cross and Blue Shield negotiated rates for pacemaker surgery at 8 Kentucky hospitals range from $3,882 to $23,285, with a median near $9,783. 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 UnitedHealthcare in Kentucky?

UnitedHealthcare negotiated rates for pacemaker surgery at 12 Kentucky hospitals range from $1,679 to $17,130, with a median near $4,202. 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 pacemaker surgery cost with Aetna in Kentucky?

Aetna negotiated rates for pacemaker surgery at 10 Kentucky hospitals range from $2,990 to $13,002, with a median near $3,644. 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 Kentucky?

Cigna negotiated rates for pacemaker surgery at 4 Kentucky hospitals range from $967 to $11,247, with a median near $3,014. 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 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.

Hospital Outpatient
$1,773–$91,488
  • Facility fee $1,114–$89,496
  • Professional fee $659–$1,992

Estimated from CMS fee schedules + commercial rate multipliers

Hospital Inpatient
$15,006–$16,339
  • Facility fee $14,347–$14,347
  • Professional fee $659–$1,992

Estimated from CMS fee schedules + commercial rate multipliers

Norton Healthcare and Baptist Health dominate Louisville, while UK HealthCare (University of Kentucky) and CHI Saint Joseph anchor the Lexington market. Kentucky has historically had high uninsured rates and elevated uncompensated care loads, which influences charity care policies and cash price discounting practices at many facilities.

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 (5) report prices above $17,554, including EphraimMcDowellHealth at $27,937, 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 $8,786 versus $14,347 inpatient (about 1.6× 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 ~$8,786
Deductible met - 20% coinsurance ~$1,757
Out-of-network provider $19,329+

Frequently asked questions: pacemaker surgery costs in Kentucky

How much does a pacemaker surgery cost in Kentucky?

The typical insurer-negotiated rate is $8,683, with most facilities between $3,643 and $9,555 (based on 33 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Kentucky hospitals run $3,643–$13,044; 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 Kentucky?

Based on declared prices, the lowest posted price in our Kentucky data is Norton Hospitals INC in Louisville at about $3,643. By metro, Lexington has the lowest median ($1,136).

Why is a pacemaker surgery so much cheaper at some Kentucky hospitals?

Typical prices vary about 2.6× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Kentucky, the median cash (self-pay) price is $8,786 versus a median negotiated rate of $13,260 - 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 Kentucky?

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 Kentucky

Pacemaker 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 Kentucky

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Infusions

Emergency care

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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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