2026 Forecast Verified

ACL Surgery (ACL Reconstruction) Cost in Tennessee (2026)

Below-average pricing · Regional price parity: 94.2 · TN

Tennessee Average
$18,840
▼ -5.8% below national
Typical Range
$9,420 – $28,260
National avg: $20,000
Editorial view of Tennessee
Regional Pricing Confidence
87% Confidence Index
The Tennessee Market

What Drives Pricing Here

Three factors explain most of why acl surgery (acl reconstruction) costs what it does in Tennessee.

Regional Price Parity

Tennessee's cost-of-living index sits at 94.2 — meaningfully below the national benchmark (100). This directly scales facility and staffing overhead, which flow through to every procedure price.

Specialist Availability

47 facilities perform this procedure in Tennessee — competition keeps pricing honest and gives you real leverage to shop quotes.

Vs. National Benchmark

At -5.8% below the national average ($20,000), Tennessee is a discount market. Often driven by lower overhead or less metro concentration — quality can still be excellent.

State Context

ACL Surgery (ACL Reconstruction) in Tennessee: What to Know

Nashville is a hub for ACL reconstruction in Tennessee, with Vanderbilt University Medical Center performing a high volume of these surgeries. Some patients travel to Nashville from out of state for orthopedic care, including ACL reconstruction. Cities such as Knoxville and Franklin also offer specialized services. ACL reconstruction is a common procedure with generally high success rates, so you can expect a return to normal activity without restrictions.

If you're seeking more affordable options, consider facilities outside of Nashville, such as Jackson-Madison County General Hospital. Also, be aware that Tennessee has modified its Certificate of Need laws, which could affect the availability and licensing requirements of ambulatory surgery centers. Verify current pricing directly with providers.

Itemized Breakdown

Estimated Cost Breakdown in Tennessee

Tennessee falls slightly below the national average for acl surgery (acl reconstruction) costs. Here's the typical cost breakdown.

Facility Fee

OR time and hospital staffing

$3,956 - $7,348

Most significant cost

Surgeon Fee

Expertise and experience level

$3,956 - $7,348

Implants & Supplies

$1,978 - $3,674

Post-Op Care

Recovery and aftercare

$1,978 - $3,674

Anesthesia

Anesthesiologist or CRNA fee

$1,319 - $2,449

Total Estimated Cost

Tennessee all-in range

$9,420 – $28,260

Financing Options

Many Tennessee clinics partner with CareCredit or Alphaeon. A typical 24-month, 0% APR term on $18,840 looks like:

$785/mo
Est. 24 months · 0% APR promo
  • Soft credit check — no hard pull
  • Instant approval decisions
  • HSA/FSA eligible for qualifying cases

Prices reflect regional cost-of-living adjustments. How we calculate these numbers →

Ranges adjusted for Tennessee's regional price parity (94.2). See the national percentage breakdown →

Hospital-Level Data

Facility Costs in Tennessee

Here are the highest-volume acl surgery (acl reconstruction) providers in Tennessee. All rates come from CMS Medicare claims data — actual payments, not list prices.

Facility City Negotiated Rate Medicare Volume
Vanderbilt University Medical Center Nashville $2,071 $1,632 212
Erlanger Medical Center Chattanooga $2,612 $2,068 178
Jackson-Madison County General Hospital Jackson $2,707 $2,137 122
Cookeville Regional Medical Center Cookeville $2,834 $2,252 118
Parkridge Medical Center Chattanooga $2,648 $2,103 108
Henry County Medical Center Paris $2,501 $1,985 104
Blount Memorial Hospital Maryville $2,547 $2,017 99
University Of Tn Medical Center (The) Knoxville $2,480 $1,955 88
Memorial Healthcare System, Inc Chattanooga $2,615 $2,056 74
Campbell Clinic Surgery Center, Llc Germantown $2,636 $2,086 69
Regional Comparison

ACL Surgery (ACL Reconstruction) Cost in Nearby States

Neighboring states offer a range of acl surgery (acl reconstruction) pricing. Tennessee falls in the middle of the pack.

Mississippi
$17,700
-6.1% vs TN
Alabama
$18,100
-3.9% vs TN
Arkansas
$18,240
-3.2% vs TN
Missouri
$18,360
-2.5% vs TN
Kentucky
$18,460
-2.0% vs TN
Georgia
$19,600
+4.0% vs TN
North Carolina
$19,760
+4.9% vs TN
Virginia
$20,640
+9.6% vs TN
Common Questions

Expert Answers for Tennessee Patients

Local regulations, insurance nuance, and surgical standards specific to Tennessee.

Compare Tennessee 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) guide
What should I expect to pay for acl surgery (acl reconstruction) in Tennessee?
In Tennessee, acl surgery (acl reconstruction) runs about $18,840 on average. Most patients pay between $9,420 and $28,260, with the final price shaped by your choice of surgeon, facility type, and procedure complexity.
Does insurance cover acl surgery (acl reconstruction)?
Most insurance plans cover acl surgery (acl reconstruction) when it's deemed medically necessary. You'll typically need pre-authorization from your insurer, and staying in-network with a Tennessee provider will minimize your out-of-pocket share.
What's the recovery time for acl surgery (acl reconstruction)?
Recovery after acl surgery (acl reconstruction) typically takes 42 to 180 days. Most patients can handle light activities after 42 days, with full recovery by 180 days. Plan for time off work and factor in the cost of follow-up visits, medications, and any post-operative care when budgeting beyond the procedure cost itself.
How can I finance acl surgery (acl reconstruction) in Tennessee?
Financing acl surgery (acl reconstruction) in Tennessee is straightforward. Options include medical credit lines (CareCredit, Alphaeon Credit), your surgeon's in-house installment plan, or HSA/FSA dollars if the procedure has a medical component. Always compare the total cost with interest against a cash-pay discount.
How do I compare acl surgery (acl reconstruction) facilities in Tennessee?
Start with case volume — facilities that perform more procedures generally have better outcomes. In Tennessee, also compare hospital vs. ambulatory surgery center pricing (ASCs can be 30-50% cheaper) and check whether your insurance network includes the facility.
Should I consider acl surgery (acl reconstruction) outside Tennessee?
Mississippi runs $1,140 cheaper for acl surgery (acl reconstruction) than Tennessee. For patients near the state line, that 6% difference can justify the trip. Ask your Tennessee surgeon if they coordinate with out-of-state providers for post-op monitoring.
Can Medicaid help pay for acl surgery (acl reconstruction) in Tennessee?
Medicaid in Tennessee can cover acl surgery (acl reconstruction) when there's a documented medical need. The key is pre-authorization — your physician will need to submit clinical justification to your managed care organization before the procedure is approved.
Data Sources & References

How we calculate acl surgery (acl reconstruction) costs in Tennessee

Cost estimates combine procedure-specific pricing data with regional cost-of-living and provider-supply adjustments. Primary sources:

  • •
    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.
  • •
    HCUP (Healthcare Cost & Utilization Project) — AHRQ's HCUP databases provide nationally-representative procedure cost data by state, payer, and patient demographics.
  • •
    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.
  • •
    BEA Regional Price Parities (RPP) — U.S. Bureau of Economic Analysis state-level price-level indices, used to adjust national procedure averages for Tennessee's cost-of-living relative to the national mean.
  • •
    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.
  • •
    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.

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