ACL Reconstruction Surgery Cost in Illinois
ACL reconstruction replaces a torn anterior cruciate ligament in the knee with a tendon graft. ACL surgery costs in Illinois range from $15,000 to $45,000 depending on the graft type, facility, and rehabilitation needs.
Illinois Price Range
By choosing the lowest-cost provider
What is a ACL Surgery?
ACL reconstruction is typically arthroscopic surgery using a graft from your own body (autograft from patellar tendon or hamstring) or a donor (allograft). The procedure takes 1-2 hours and is usually outpatient.
Common Billing Codes (CPT/DRG)
Why ACL Surgery Prices Vary So Much
Costs vary based on graft type (autograft vs. allograft), facility, surgeon experience, and whether meniscus repair is also needed. Athletes may choose specialized sports medicine centers that charge more.
Lower-Cost Options
- Community hospitals in suburbs
- Freestanding imaging/surgery centers
- Cash-pay discounts (20-40% off)
Higher-Cost Options
- Academic medical centers (Northwestern, Rush)
- Hospital outpatient departments
- Out-of-network facilities
ACL Surgery Prices at Illinois Hospitals
Compare actual acl surgery prices reported by hospitals. Prices shown are cash-pay/self-pay rates from hospital transparency files.
Payment Options Comparison
See how different payment methods affect your out-of-pocket cost
Cash/Self-Pay
Hospital list price
$18,192
Full price
- No insurance needed
- May qualify for discounts
With Insurance
Estimated negotiated rate
~$14,554
Save ~$3,638 vs cash
- Negotiated network rate
- Counts toward deductible
- Actual cost depends on plan
With HSA/FSA
Tax-free payment
$11,898
Save $6,294 in taxes (~35%)
- Pay with pre-tax dollars
- Federal + State + FICA savings
- Rolls over year to year
No monthly fees. FDIC insured.
HSA savings based on 22% federal + 4.95% IL state + 7.65% FICA tax rates. Actual savings vary by tax bracket.
Can I Afford This?
Check if your savings can cover this $18,192 procedure.
No monthly fees. Invest your balance. FDIC insured.
Insurance Tips for ACL Surgery
ACL reconstruction is covered when the tear causes instability and affects daily activities or work. Insurance may require documentation of failed conservative treatment. Physical therapy costs add $2,000-$5,000 to total expenses.
Before Scheduling, Ask:
- 1.Is this facility in my insurance network?
- 2.Does this procedure require prior authorization?
- 3.What is my out-of-pocket cost after deductible?
- 4.Is there a cash-pay discount if I pay upfront?
When Do You Need a ACL Surgery?
Surgery is recommended for active individuals who want to return to sports, those with knee instability, and people whose work requires physical activity. Older, less active patients may manage with physical therapy alone.
Frequently Asked Questions
Related Procedures
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Price data sourced from hospital transparency files as required by the Hospital Price Transparency Rule. Last updated March 2026.