Summary

10 facilities within 25 miles of Richmond publish prices for ACL Reconstruction. Cash prices range from $34,976 to $45,101 — a 1.3x difference for an identical procedure. The Virginia average is $29,726.

$34,976 lowest
$45,101 highest
Best Value

Bon Secours Memorial Regional Medical Center

Mechanicsville, VA · Bon Secours Mercy Health · 0.2 mi

$43,377 Cash price
4/5 CMS rating
65.0% Patient satisfaction

Lowest price among hospitals rated 4 stars or above. Patient satisfaction: 65%. Cash price of $43,377 is near the statewide average of $29,726.

All facilities ranked by price

1
Bon Secours St Marys Hospital 3★ · 0.0 mi · Nonprofit
$34,976
2
Bon Secours Memorial Regional Medical Center 4★ · 0.2 mi · Nonprofit
$43,377
3
Bon Secours St Francis Medical Center 3★ · 0.2 mi · Nonprofit
$45,101
Complete facility data
# Facility Cash Price Gross Charge Markup CMS Stars Patient Rating Ownership
1 Bon Secours St Marys Hospital Bon Secours Mercy Health Richmond, VA · 0.0 mi $34,976 $58,293 1.67x 3/5 66.0% Nonprofit
2 Bon Secours Memorial Regional Medical Center Bon Secours Mercy Health Mechanicsville, VA · 0.2 mi $43,377 $72,296 1.67x 4/5 65.0% Nonprofit
3 Bon Secours St Francis Medical Center Bon Secours Mercy Health Midlothian, VA · 0.2 mi $45,101 $75,169 1.67x 3/5 71.0% Nonprofit
4 Sentara Williamsburg Regional Medical Center Sentara Health Williamsburg, VA · 0.2 mi 4/5 79.0% Nonprofit
5 Medical College of Virginia Hospitals VCU Health Richmond, VA · 0.0 mi 4/5 74.0% Local government
6 CJW Medical Center Richmond, VA · 0.0 mi 4/5 64.0% For-profit
7 Stafford Hospital, LLC Stafford, VA · 0.2 mi 3/5 70.0% Nonprofit
8 Henrico Doctors' Hospital HCA Virginia Richmond, VA · 0.0 mi 3/5 69.0% Nonprofit
9 Spotsylvania Regional Medical Center HCA Virginia Fredericksburg, VA · 0.2 mi 3/5 61.0% For-profit
10 Mary Washington Hospital Mary Washington Healthcare Fredericksburg, VA · 0.2 mi 2/5 61.0% Nonprofit

Insurance negotiated rates by facility

The rates below are what each insurer has contractually agreed to pay this hospital for ACL Reconstruction. Your actual out-of-pocket cost depends on your deductible status and copay structure.

Bon Secours St Marys Hospital

Cash: $34,976
Insurance Plan Negotiated Rate vs Cash
Aetna $7,280 -$27,696
Aetna $7,280 -$27,696
UnitedHealthcare $7,280 -$27,696
UnitedHealthcare $7,280 -$27,696
UnitedHealthcare $7,280 -$27,696
Humana $7,426 -$27,550
Humana $7,426 -$27,550

Bon Secours Memorial Regional Medical Center

Cash: $43,377
Insurance Plan Negotiated Rate vs Cash
Aetna $7,280 -$36,097
Aetna $7,280 -$36,097
UnitedHealthcare $7,280 -$36,097
UnitedHealthcare $7,280 -$36,097
Humana $7,426 -$35,952
Humana $7,426 -$35,952
UnitedHealthcare $12,881 -$30,497

Bon Secours St Francis Medical Center

Cash: $45,101
Insurance Plan Negotiated Rate vs Cash
Aetna $7,080 -$38,022
Humana $7,221 -$37,880
Humana $12,527 -$32,575
UnitedHealthcare $12,527 -$32,575
Aetna $12,527 -$32,575

Sentara Williamsburg Regional Medical Center

Cash: N/A
Insurance Plan Negotiated Rate
Sentara Health Plan Medicare Managed Care Plan $7,221
Humana Medicare Managed Care Plan $7,292
Anthem Anthem Medicare Managed Care Plan $7,416
UnitedHealthcare Dsnp Medicare Managed Care Plan $7,434
Anthem Anthem Exchange $23,909
Anthem Anthem Hmo $25,571
UnitedHealthcare All Commercial Plans $26,537
Anthem Anthem Ppo $26,637
UnitedHealthcare Options Ppo $29,398

Medical College of Virginia Hospitals

Cash: N/A
Insurance Plan Negotiated Rate
CLEAR SPRING MEDICARE ADVANTAGE $1,422
MOLINA MEDICARE ADVANTAGE $1,422
Aetna MEDICARE ADVANTAGE $1,528
Anthem MEDICARE ADVANTAGE $1,528
Cigna MEDICARE ADVANTAGE $1,543
SENTARA MEDICARE ADVANTAGE $1,546
UnitedHealthcare MEDICARE ADVANTAGE DSNP $1,589
Humana MEDICARE ADVANTAGE $1,605
Anthem MANAGED MEDICAID $3,174
SENTARA MANAGED MEDICAID $3,174
Aetna MANAGED MEDICAID $3,206
UnitedHealthcare MANAGED MEDICAID $3,237
MOLINA MANAGED MEDICAID $3,333

CJW Medical Center

Cash: N/A
Insurance Plan Negotiated Rate
Bright Health COMM $3,993
Universal Healthcare Group MCR $4,250
Lifeworks MCR $4,950
Oscar COMM $6,238
Optima Health HMO $6,914
Optima Health POS $6,914
Optima Health PPO $6,914
Anthem HIX $8,728
Aetna SharedSavings $9,620
Anthem HPN $11,074
UnitedHealthcare NavigateCorePayer $11,586
Anthem HMO $12,004
Anthem PPO $12,004
Cigna IFP $12,044
UnitedHealthcare NewBusiness $13,876

5 additional plans not shown.

Henrico Doctors' Hospital

Cash: N/A
Insurance Plan Negotiated Rate
Bright Health COMM $3,993
Universal Healthcare Group MCR $4,250
Lifeworks MCR $4,950
Oscar COMM $6,238
Optima Health HMO $6,914
Optima Health POS $6,914
Optima Health PPO $6,914
Aetna SharedSavings $9,620
Anthem HIX $10,419
UnitedHealthcare NavigateCorePayer $11,586
Cigna IFP $12,044
Anthem HPN $13,223
UnitedHealthcare NewBusiness $13,876
UnitedHealthcare SmallBusiness $13,876
Anthem HMO $14,333

5 additional plans not shown.

Spotsylvania Regional Medical Center

Cash: N/A
Insurance Plan Negotiated Rate
Bright Health COMM $3,993
Lifeworks MCR $4,950
Optima Health HMO $6,914
Optima Health POS $6,914
Optima Health PPO $6,914
Anthem HIX $7,142
UnitedHealthcare AllPayerAppendix $7,385
Aetna Broad $8,900
Anthem HMO $9,823
Anthem HPN $9,823
Anthem PPO $9,823
Cigna IFP $12,194
Cigna HMO $14,787
Cigna PPO $14,787

Before you call

The data in this report is from each hospital's publicly filed prices. Here's how to use it.

Confirm the price

Call the hospital's billing department and ask for a price estimate or Good Faith Estimate for ACL Reconstruction (CPT 29888). Under federal law, they must provide this. Compare it to the published price in this report.

Ask about cash pay

If you haven't met your deductible, ask for the cash/self-pay rate. At many hospitals, the cash price is lower than the insurance-negotiated rate. You can see this in the insurance table above — some negotiated rates exceed the cash price.

Compare before you schedule

You are not required to use the facility your doctor referred you to. You can request a referral to any in-network facility. The same procedure, same quality — sometimes at a fraction of the price.

Ask about financial help

Most nonprofit hospitals in Virginia offer financial assistance to patients based on household income. This is separate from insurance — even insured patients can qualify. Ask billing for their Financial Assistance Policy.

Financial assistance by facility

Nonprofit hospitals are legally required to have financial assistance programs. Below is what we know about each facility's charitable care.

Facility Status Charity Care Provided How to Apply
Bon Secours St Marys Hospital Nonprofit Call billing, request Financial Assistance application
Bon Secours Memorial Regional Medical Center Nonprofit Call billing, request Financial Assistance application
Bon Secours St Francis Medical Center Nonprofit Call billing, request Financial Assistance application
Sentara Williamsburg Regional Medical Center Nonprofit Call billing, request Financial Assistance application
Medical College of Virginia Hospitals Local government N/A (for-profit)
CJW Medical Center For-profit N/A (for-profit)
Stafford Hospital, LLC Nonprofit Call billing, request Financial Assistance application
Henrico Doctors' Hospital Nonprofit Call billing, request Financial Assistance application
Spotsylvania Regional Medical Center For-profit N/A (for-profit)
Mary Washington Hospital Nonprofit Call billing, request Financial Assistance application

What to do next

  1. Identify your top 2-3 facilities based on price, quality rating, and distance. The data in this report shows that lower price does not mean lower quality — check the star ratings.
  2. Call billing before you schedule. Confirm the published price. Ask for a Good Faith Estimate. Ask whether there's a prompt-pay or cash-pay discount beyond the listed rate.
  3. Check your deductible status. If you haven't met your deductible, compare the cash rate to what you'd owe through insurance. In some cases, paying cash is cheaper than using your plan.
  4. Apply for financial assistance if your household income is under $60,000-$125,000 (thresholds vary). Most eligible patients never apply because they don't know the program exists.
  5. Get everything in writing. Before your procedure, get a written price estimate. After, review the bill line by line. Roughly 80% of hospital bills contain errors (Becker's Hospital Review).

Data sources

Hospital prices
Published machine-readable files, required under CMS Hospital Price Transparency Rule (45 CFR Part 180)
Quality ratings
CMS Hospital Compare, updated quarterly
Patient satisfaction
HCAHPS (Hospital Consumer Assessment of Healthcare Providers and Systems)
Financial data
CMS Cost Reports (charity care, revenue) and IRS 990 filings (officer compensation)

This report is for informational purposes only. It is not medical advice. Every price shown is a price a hospital published — not an estimate. Actual out-of-pocket costs depend on your insurance plan, deductible status, and clinical circumstances. Consult your healthcare provider and insurer before making decisions.