ACL Surgery (ACL Reconstruction) Cost in Montana (2026)
Close to the national average · RPP 97.5 · MT
What Drives Pricing Here
Three factors explain most of why acl surgery (acl reconstruction) costs what it does in Montana.
Regional Price Parity
Montana's cost-of-living index sits at 97.5 — meaningfully below the national benchmark (100). This directly scales facility and staffing overhead, which flow through to every procedure price.
Specialist Availability
11 facilities perform this procedure in Montana — competition keeps pricing honest and gives you real leverage to shop quotes.
Vs. National Benchmark
At -2.5% below the national average ($20,000), Montana is a discount market. Often driven by lower overhead or less metro concentration — quality can still be excellent.
ACL Surgery (ACL Reconstruction) in Montana: What to Know
ACL reconstruction is a common procedure in Montana, with a few facilities handling a significant volume of cases. Billings and Great Falls are hubs for this type of surgery. A new BEAR implant procedure is available that could cut recovery time in half. Also, Montana does not have certificate-of-need laws that restrict the development of surgery centers, potentially offering more options for patients.
If you're willing to travel within the state, consider facilities in Billings or Great Falls, as they tend to have lower average payments due to the higher volume of procedures performed. Traveling out of state may also be an option; one patient reported savings of $35,000 by having the surgery in Utah. Verify current pricing directly with providers.
Estimated Cost Breakdown in Montana
Montana sits near the middle of the pack for acl surgery (acl reconstruction) pricing. The cost components typically split like this.
Facility Fee
OR time and hospital staffing
Most significant cost
Surgeon Fee
Expertise and experience level
Implants & Supplies
Post-Op Care
Recovery and aftercare
Anesthesia
Anesthesiologist or CRNA fee
Total Estimated Cost
Montana all-in range
Financing Options
Many Montana clinics partner with CareCredit or Alphaeon. A typical 24-month, 0% APR term on $19,500 looks like:
- Soft credit check — no hard pull
- Instant approval decisions
- HSA/FSA eligible for qualifying cases
Based on CMS Medicare data and regional price parities. Learn about our methodology →
Ranges adjusted for Montana's regional price parity (97.5). See the national percentage breakdown →
Facility Costs in Montana
These Montana facilities handle the most acl surgery (acl reconstruction) cases. The negotiated rate reflects what's actually paid after insurer discounts.
| Facility | City | Negotiated Rate | Medicare | Volume |
|---|---|---|---|---|
| Billings Clinic Hospital | Billings | $2,866 | $2,282 | 139 |
| Benefis Hospitals Inc | Great Falls | $2,703 | $2,122 | 90 |
| Missoula Bone & Joint Surgery Center Llc | Missoula | $2,929 | $2,327 | 75 |
| Great Falls Clinic Hospital | Great Falls | $2,929 | $2,325 | 73 |
| Logan Health Medical Center | Kalispell | $3,137 | $2,495 | 55 |
| Yellowstone Surgery Center Llc | Billings | $2,929 | $2,317 | 52 |
| Northern Montana Hospital | Havre | $3,137 | $2,499 | 38 |
| Bozeman Health Deaconess Regional Medical Center | Bozeman | $3,137 | $2,493 | 31 |
| St Vincent Healthcare | Billings | $2,929 | $2,334 | 30 |
| St Patrick Hospital | Missoula | $2,929 | $2,334 | 23 |
ACL Surgery (ACL Reconstruction) Cost in Nearby States
ACL Surgery (ACL Reconstruction) pricing in Montana is typical nationally, though nearby states offer slightly lower rates.
Expert Answers for Montana Patients
Local regulations, insurance nuance, and surgical standards specific to Montana.
Compare Montana with any other state
See national pricing, all 50 state comparisons, and detailed cost factors in the main acl surgery (acl reconstruction) cost guide.
View full acl surgery (acl reconstruction) guideWhat should I expect to pay for acl surgery (acl reconstruction) in Montana?
Can I use insurance for acl surgery (acl reconstruction) in Montana?
How long is recovery after acl surgery (acl reconstruction)?
How can I finance acl surgery (acl reconstruction) in Montana?
How do I choose a acl surgery (acl reconstruction) facility in Montana?
Is it worth traveling to another state for acl surgery (acl reconstruction)?
Does Montana Medicaid cover acl surgery (acl reconstruction)?
How we calculate acl surgery (acl reconstruction) costs in Montana
Cost estimates combine procedure-specific pricing data with regional cost-of-living and provider-supply adjustments. Primary sources:
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Hospital pricing transparency files — CMS-required machine-readable data published by hospitals under the CMS Hospital Price Transparency rule (effective January 2021). Provides actual negotiated rates between hospitals and insurers.
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HCUP (Healthcare Cost & Utilization Project) — AHRQ's HCUP databases provide nationally-representative procedure cost data by state, payer, and patient demographics.
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Bureau of Labor Statistics — Healthcare Practitioner Occupational Wages — BLS OEWS data on surgeon, anesthesiologist, and surgical staff wages by state, used to model regional labor-cost differences in procedure pricing.
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BEA Regional Price Parities (RPP) — U.S. Bureau of Economic Analysis state-level price-level indices, used to adjust national procedure averages for Montana's cost-of-living relative to the national mean.
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FAIR Health Consumer Cost Lookup — the FAIR Health database aggregates billed and allowed amounts from over 36 billion claim records, providing a check on procedure-cost ranges by ZIP code.
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Medicare Provider Utilization & Payment Data — CMS public-use files on Medicare-allowed amounts and submitted charges by HCPCS/CPT code and state, used as a baseline for procedure-cost ranges.
Estimates are illustrative and reflect typical pricing ranges; actual costs depend on insurance coverage, surgical complexity, anesthesia type, hospital vs. ambulatory setting, and individual patient factors. Always confirm pricing directly with providers and your insurance carrier. See our methodology page for full calculation details.