ACL knee reconstruction Cost by Hospital

ACL knee reconstruction is a surgical procedure. Prices are from 1563 US hospitals across 52 states, from their machine-readable files.

$8,026median cash price · 1563 hospitals, 52 statestypically $1,890–$31,434 depending on the hospital
≈ 9.0× Medicare · High vs MedicareFind hospitals near you

Price comparison (median)

Chargemaster (list price)
$12,905
Cash / self-pay
$8,026
Insurer-negotiated
$7,193
Medicare pays
$889
$1,890$31,434
Median cash $8,026  ·  Medicare $889  ·  bar = typical cash range (10th–90th percentile)
Is this a fair price?
1× Medicarefair ≈2×5×+

Typical cash price here is $8,026 — about 9.0× the Medicare rate ($889). High vs Medicare. A fair cash price is usually within ~2× Medicare ($1,779).

💡 Asking for the cash price instead of the $12,905 list price could save about $4,878 (38%).

Estimate what you’ll pay
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Rough estimate from this procedure’s median insurer-negotiated rate. Your actual cost depends on your plan — confirm with your insurer.

Lowest cash prices

HospitalLocationCashInsurerCMS ratingER waitReadmit
Artesia General Hospital Artesia, NM $1,220 $6,922 — 99 min —
Vanderbilt Bedford Hospital Shelbyville, TN $1,300 $1,676 ★ 4/5 125 min —
Vanderbilt Tullahoma-Harton Hospital Tullahoma, TN $1,300 $1,629 ★ 3/5 168 min —
Bassett Healthcare Cooperstown, NY $1,320 $980 ★ 2/5 199 min —
Family Health West Hospital Fruita, CO $1,362 $8,973 — 48 min —
Hospital Pavia Caguas Caguas, PR $1,380 $460 — — —
Tucson Medical Center Tucson, AZ $1,382 $7,590 ★ 2/5 202 min —
Children's Mercy South Overland Park, KS $1,393 $1,684 — — —
The Children's Mercy Hospital Kansas City, MO $1,393 $1,684 — — —
Bertrand Chaffee Hospital Springville, NY $1,433 $918 — 145 min —
University of Arkansas Medical Sciences Little Rock, AR $1,436 $6,988 ★ 2/5 285 min —
Arkansas State Hospital Little Rock, AR $1,436 $6,988 — — —
Ellis Hospital Schenectady, NY $1,462 $1,005 ★ 3/5 232 min —
Regional West Medical Center Scottsbluff, NE $1,466 $1,835 ★ 2/5 202 min —
Southwest General Health Center Middleburg Heights, OH $1,519 $720 ★ 4/5 199 min —
Prowers Medical Center Lamar, CO $1,532 — — 118 min —
Healdsburg Hospital Healdsburg, CA $1,541 $4,500 — 94 min —
University of Texas Medical Branch Galveston Galveston, TX $1,542 $3,300 ★ 3/5 190 min —
York Hospital York, ME $1,547 — ★ 4/5 166 min —
Baptist Health Medical Center Heber Springs Heber Springs, AR $1,556 $10,592 ★ 3/5 110 min —
Alice Peck Day Memorial Hospital Lebanon, NH $1,563 $2,241 ★ 4/5 118 min —
St Gabriels Hospital Little Falls, MN $1,592 $1,564 ★ 4/5 141 min —
Lake Region Healthcare Corporation Fergus Falls, MN $1,626 $1,064 — — —
White Mountain Regional Medical Center Springerville, AZ $1,634 $80 — 134 min —
Brattleboro Memorial Hospital Brattleboro, VT $1,645 $2,174 ★ 3/5 171 min —

CMS rating = overall hospital star rating (1–5); ER wait = median minutes in the emergency department; Readmit = 30-day readmission rate (lower is better) — all from Medicare’s Care Compare; “—” = not reported. Data last updated October 2026. Prices from hospitals’ machine-readable files (45 CFR §180); Medicare benchmark from CMS PFS/CLFS/IPPS. Prices below 15% of the median are excluded as likely partial or mis-coded charges. Estimates — confirm with the hospital. Report an incorrect price.

What insurers pay for ACL knee reconstruction

Median in-network negotiated rate by insurer, across hospitals that publish it (cheapest first). Your actual rate depends on your specific plan and deductible. Cash / self-pay for comparison: $8,026; Medicare pays $889.

InsurerHospitalsNegotiated median
Medicaid 162
$315
$50 – $653
Medicare 280
$427
$68 – $6,835
Highmark 97
$711
$73 – $9,058
Univera 14
$805
$117 – $1,184
Tricare / VA 199
$840
$75 – $9,086
AmeriHealth 128
$951
$190 – $13,315
Geisinger 33
$951
$190 – $7,611
MVP Health Care 52
$995
$312 – $9,645
Blue Cross Blue Shield 841
$1,039
$105 – $14,297
Independent Health 25
$1,223
$480 – $9,013
Health Net 146
$1,315
$84 – $15,790
Sanford Health Plan 27
$1,699
$160 – $12,000
Bright Health 36
$1,714
$1,257 – $5,062
Anthem 404
$1,839
$105 – $15,552
HealthPartners 99
$1,852
$115 – $10,012
Coventry 61
$1,950
$200 – $11,562
Kaiser Permanente 145
$2,153
$74 – $17,998
Molina Healthcare 413
$2,153
$102 – $8,495
Priority Health 40
$2,153
$344 – $7,211
Centene / Ambetter 558
$2,323
$73 – $10,737
UCare 35
$2,478
$671 – $12,643
MultiPlan / PHCS network 240
$2,528
$122 – $11,621
UPMC Health Plan 64
$3,426
$722 – $14,930
Medica 66
$3,436
$939 – $10,876
Amerigroup 116
$3,465
$622 – $7,239
Harvard Pilgrim 27
$3,478
$949 – $12,541
Workers' Comp / No-Fault 45
$3,601
$3,601 – $24,164
Humana 667
$5,087
$414 – $17,832
SelectHealth 32
$5,307
$1,514 – $11,685
Aetna 920
$5,875
$474 – $13,494
Cigna 700
$6,802
$964 – $22,811
UnitedHealthcare 1006
$6,962
$654 – $16,517
Security Health Plan 25
$7,030
$435 – $13,221
Devoted Health 106
$7,179
$6,609 – $8,459
Oscar Health 152
$8,970
$1,599 – $14,192
Healthcare Highways 34
$8,991
$8,517 – $9,565
EmblemHealth 53
$12,401
$2,153 – $57,245
AvMed 33
$18,880
$653 – $27,374

Negotiated rates are from hospitals’ machine-readable files (45 CFR §180); payer names are normalized to major brands, so a brand may span several plans. Estimates — confirm with your insurer.

Where it’s cheapest

StateMedian cash
Puerto Rico$1,380
Vermont$1,415
Iowa$2,475
Maine$2,558
Arkansas$2,943
New Hampshire$2,958

Prices by city

Chicago, ILAustin, TXDallas, TXPhiladelphia, PASacramento, CAHouston, TXKansas City, MONew York, NYPittsburgh, PASan Antonio, TXCharlotte, NCCincinnati, OHCleveland, OHFort Worth, TXLos Angeles, CANashville, TNPlano, TXArlington, TXBronx, NYBrooklyn, NYLittle Rock, AROmaha, NERochester, NYSan Francisco, CA

Prices by state

TexasCaliforniaOhioFloridaWisconsinNew YorkPennsylvaniaIllinoisMichiganColoradoMinnesotaNorth CarolinaTennesseeIndianaLouisianaMissouriNew JerseyIowaWashingtonArizonaGeorgiaArkansasKansasMaineVirginiaMassachusettsMississippiSouth CarolinaOklahomaNebraskaKentuckyWest VirginiaIdahoAlabamaUtahNew HampshireConnecticutNevadaMontanaSouth DakotaWyomingOregonNew MexicoNorth DakotaHawaiiDelawarePuerto RicoVermontAlaskaMaryland

Does Medicare cover ACL knee reconstruction?

Yes — Medicare generally covers ACL knee reconstruction. It is typically an outpatient service under Medicare Part B, with a Medicare-approved amount of about $889. After your annual Part B deductible, you typically owe the 20% coinsurance — roughly $178 — unless a Medicare Advantage or supplemental (Medigap) plan covers it.

General guidance from Medicare’s national rates — your actual coverage and share depend on medical necessity, your plan, and where the service is performed. Confirm with Medicare or your plan.

About these prices

Based on prices published by 1563 US hospitals across 52 states, the typical (median) cash price is $8,026, versus a chargemaster (list) price around $12,905, a median insurer-negotiated rate of $7,193, a Medicare rate of about $889. Most cash prices fall between $1,890 and $31,434 — a wide spread, which is exactly why comparing hospitals pays off.

How to save

  • Ask each hospital for its cash / self-pay price — for shoppable services it is often far below the list price.
  • Compare several nearby hospitals; prices for the same service can differ severalfold.
  • Request a written estimate and the billing code (CPT/DRG) before scheduling.
  • Use the Medicare benchmark above to judge whether a quote is reasonable.
  • If you are uninsured, ask about financial assistance or prompt-pay discounts.

Frequently asked questions

How much does ACL knee reconstruction cost without insurance?
The median cash (self-pay) price across 1563 US hospitals is $8,026. Most hospitals fall between $1,890 and $31,434. Prices vary widely between hospitals, so it pays to compare before you book.
Does Medicare cover ACL knee reconstruction?
Yes — it is generally covered under Medicare Part B as an outpatient service (Medicare-approved amount about $889). After your Part B deductible you typically owe 20% coinsurance, unless a Medicare Advantage or Medigap plan covers it.
What does Medicare pay for ACL knee reconstruction?
Medicare pays about $889. We show this as a benchmark — a fair cash price is often within a few multiples of the Medicare rate.
Why do ACL knee reconstruction prices vary between hospitals?
Hospitals set their own chargemaster and cash prices and negotiate different rates with each insurer, so two hospitals in the same area can charge very differently for the same service.
Is the cash price lower than using insurance?
Sometimes. If you are uninsured or have a high deductible, the cash/self-pay price can be lower than the insurer-negotiated rate — ask the hospital for both.

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