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Every commercial insurer rate these hospitals posted, as a dollar amount and as a multiple of the hospital's own Medicare base rate.
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MS-DRG 451
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Ascension Saint Thomas Hospital (Midtown + West) median $18,220 · local Medicare $22,013 · file 2026-01-01 | |||
| Aetna | $19,970 | 0.9× | 5 |
| BCBS TN | $16,806 | 0.8× | 11 |
| Cigna | $15,725 | 0.7× | 7 |
| Covid Uninsured Test Fund | $19,633 | 0.9× | 2 |
| MultiPlan/PHCS (rental network) | $13,288 | 0.6× | 2 |
| Smart Health | $27,486 | 1.2× | 2 |
| UnitedHealthcare | $15,974 | 0.7× | 7 |
| Ascension Saint Thomas Rutherford median $18,488 · local Medicare $22,013 · file 2026-01-01 | |||
| Aetna | $20,300 | 0.9× | 4 |
| BCBS TN | $16,675 | 0.8× | 7 |
| Cigna | $14,841 | 0.7× | 5 |
| Covid Uninsured Test Fund | $21,115 | 1.0× | 1 |
| Smart Health | $29,561 | 1.3× | 1 |
| UnitedHealthcare | $15,974 | 0.7× | 6 |
| TriStar Summit Medical Center median $29,775 · local Medicare $22,013 · file 2026-09-01 | |||
| Aetna | $23,926 | 1.1× | 5 |
| BCBS TN | $43,460 | 2.0× | 2 |
| Bright Health | $34,322 | 1.6× | 5 |
| Cigna | $53,731 | 2.4× | 2 |
| Elevance/Anthem/Empire | $16,582 | 0.8× | 1 |
| Humana | $23,689 | 1.1× | 1 |
| MultiPlan/PHCS (rental network) | $44,221 | 2.0× | 1 |
| Odyssey Healthcare | $23,689 | 1.1× | 1 |
| Oscar | $37,143 | 1.7× | 1 |
| UnitedHealthcare | $46,738 | 2.1× | 5 |
| Zing | $25,228 | 1.1× | 2 |
| TriStar StoneCrest Medical Center median $30,570 · local Medicare $22,013 · file 2026-09-01 | |||
| Aetna | $25,432 | 1.2× | 5 |
| BCBS TN | $66,050 | 3.0× | 1 |
| Bright Health | $34,322 | 1.6× | 5 |
| Cigna | $53,731 | 2.4× | 2 |
| Elevance/Anthem/Empire | $17,626 | 0.8× | 1 |
| Humana | $25,180 | 1.1× | 1 |
| Odyssey Healthcare | $25,180 | 1.1× | 1 |
| Oscar | $37,143 | 1.7× | 1 |
| UnitedHealthcare | $46,738 | 2.1× | 5 |
| Zing | $26,817 | 1.2× | 2 |
| TriStar Skyline Medical Center median $30,685 · local Medicare $22,013 · file 2026-09-01 | |||
| Aetna | $25,652 | 1.2× | 5 |
| BCBS TN | $42,834 | 1.9× | 2 |
| Bright Health | $34,322 | 1.6× | 5 |
| Cigna | $53,731 | 2.4× | 2 |
| Elevance/Anthem/Empire | $17,524 | 0.8× | 1 |
| Humana | $25,398 | 1.2× | 1 |
| MultiPlan/PHCS (rental network) | $55,789 | 2.5× | 1 |
| Odyssey Healthcare | $25,398 | 1.2× | 1 |
| Oscar | $37,143 | 1.7× | 1 |
| UnitedHealthcare | $51,552 | 2.3× | 5 |
| Zing | $27,048 | 1.2× | 2 |
| TriStar Hendersonville Medical Center median $34,322 · local Medicare $22,013 · file 2026-09-01 | |||
| Aetna | $23,918 | 1.1× | 5 |
| BCBS TN | $66,050 | 3.0× | 1 |
| Bright Health | $34,322 | 1.6× | 5 |
| Cigna | $53,731 | 2.4× | 2 |
| Elevance/Anthem/Empire | $16,577 | 0.8× | 1 |
| Humana | $23,681 | 1.1× | 1 |
| Oscar | $37,143 | 1.7× | 1 |
| UnitedHealthcare | $46,738 | 2.1× | 5 |
| Zing | $25,220 | 1.1× | 2 |
| Vanderbilt University Medical Center median $59,251 · local Medicare $22,013 · file 2025-10-01 | |||
| Aetna | $56,684 | 2.6× | 9 |
| BCBS TN | $77,258 | 3.5× | 4 |
| Cigna | $48,805 | 2.2× | 5 |
| Commonwealth Health | $59,251 | 2.7× | 1 |
| Hpi | $59,251 | 2.7× | 1 |
| Lucent | $59,251 | 2.7× | 1 |
| MedBen | $59,251 | 2.7× | 1 |
| MultiPlan/PHCS (rental network) | $51,520 | 2.3× | 2 |
| Oscar | $69,055 | 3.1× | 1 |
| Partner Direct Health | $59,251 | 2.7× | 1 |
| UnitedHealthcare | $67,233 | 3.1× | 10 |
| Vanderbilt Wilson County Hospital median $59,251 · local Medicare $22,013 · file 2025-10-01 | |||
| Aetna | $45,574 | 2.1× | 5 |
| BCBS TN | $68,631 | 3.1× | 2 |
| Cigna | $43,116 | 2.0× | 3 |
| Commonwealth Health | $59,251 | 2.7× | 1 |
| Hpi | $59,251 | 2.7× | 1 |
| Lucent | $59,251 | 2.7× | 1 |
| MedBen | $59,251 | 2.7× | 1 |
| MultiPlan/PHCS (rental network) | $46,069 | 2.1× | 1 |
| Oscar | $69,055 | 3.1× | 1 |
| Partner Direct Health | $59,251 | 2.7× | 1 |
| UnitedHealthcare | $53,334 | 2.4× | 5 |
MS-DRG 450
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Ascension Saint Thomas Hospital (Midtown + West) median $45,347 · local Medicare $36,318 · file 2026-01-01 | |||
| BCBS TN | $83,898 | 2.3× | 6 |
| Covid Uninsured Test Fund | $32,391 | 0.9× | 2 |
| Smart Health | $45,347 | 1.2× | 2 |
| TriStar Summit Medical Center median $47,170 · local Medicare $36,318 · file 2026-09-01 | |||
| Aetna | $38,511 | 1.1× | 5 |
| BCBS TN | $72,385 | 2.0× | 2 |
| Bright Health | $62,231 | 1.7× | 5 |
| Cigna | $53,731 | 1.5× | 2 |
| Elevance/Anthem/Empire | $26,691 | 0.7× | 1 |
| Humana | $38,129 | 1.0× | 1 |
| MultiPlan/PHCS (rental network) | $72,957 | 2.0× | 1 |
| Odyssey Healthcare | $38,129 | 1.0× | 1 |
| Oscar | $61,280 | 1.7× | 1 |
| UnitedHealthcare | $78,000 | 2.1× | 5 |
| Zing | $40,608 | 1.1× | 2 |
| TriStar StoneCrest Medical Center median $48,200 · local Medicare $36,318 · file 2026-09-01 | |||
| Aetna | $40,465 | 1.1× | 5 |
| BCBS TN | $110,228 | 3.0× | 1 |
| Bright Health | $62,231 | 1.7× | 5 |
| Cigna | $53,731 | 1.5× | 2 |
| Elevance/Anthem/Empire | $28,045 | 0.8× | 1 |
| Humana | $40,064 | 1.1× | 1 |
| Odyssey Healthcare | $40,064 | 1.1× | 1 |
| Oscar | $61,280 | 1.7× | 1 |
| UnitedHealthcare | $78,000 | 2.1× | 5 |
| Zing | $42,669 | 1.2× | 2 |
| TriStar Skyline Medical Center median $48,339 · local Medicare $36,318 · file 2026-09-01 | |||
| Aetna | $40,729 | 1.1× | 5 |
| BCBS TN | $71,353 | 2.0× | 2 |
| Bright Health | $62,231 | 1.7× | 5 |
| Cigna | $53,731 | 1.5× | 2 |
| Elevance/Anthem/Empire | $27,825 | 0.8× | 1 |
| Humana | $40,326 | 1.1× | 1 |
| MultiPlan/PHCS (rental network) | $92,042 | 2.5× | 1 |
| Odyssey Healthcare | $40,326 | 1.1× | 1 |
| Oscar | $61,280 | 1.7× | 1 |
| UnitedHealthcare | $86,032 | 2.4× | 5 |
| Zing | $42,947 | 1.2× | 2 |
| Ascension Saint Thomas Rutherford median $48,771 · local Medicare $36,318 · file 2026-01-01 | |||
| BCBS TN | $81,086 | 2.2× | 4 |
| Covid Uninsured Test Fund | $34,836 | 1.0× | 1 |
| Smart Health | $48,771 | 1.3× | 1 |
| TriStar Hendersonville Medical Center median $53,731 · local Medicare $36,318 · file 2026-09-01 | |||
| Aetna | $38,527 | 1.1× | 5 |
| BCBS TN | $110,228 | 3.0× | 1 |
| Bright Health | $62,231 | 1.7× | 5 |
| Cigna | $53,731 | 1.5× | 2 |
| Elevance/Anthem/Empire | $26,702 | 0.7× | 1 |
| Humana | $38,146 | 1.1× | 1 |
| Oscar | $61,280 | 1.7× | 1 |
| UnitedHealthcare | $78,000 | 2.1× | 5 |
| Zing | $40,625 | 1.1× | 2 |
| Vanderbilt University Medical Center median $98,882 · local Medicare $36,318 · file 2025-10-01 | |||
| Aetna | $93,518 | 2.6× | 9 |
| BCBS TN | $128,933 | 3.6× | 4 |
| Cigna | $81,449 | 2.2× | 5 |
| Commonwealth Health | $98,882 | 2.7× | 1 |
| Hpi | $98,882 | 2.7× | 1 |
| Lucent | $98,882 | 2.7× | 1 |
| MedBen | $98,882 | 2.7× | 1 |
| MultiPlan/PHCS (rental network) | $84,999 | 2.3× | 2 |
| Oscar | $113,929 | 3.1× | 1 |
| Partner Direct Health | $98,882 | 2.7× | 1 |
| UnitedHealthcare | $110,922 | 3.1× | 10 |
| Vanderbilt Wilson County Hospital median $98,882 · local Medicare $36,318 · file 2025-10-01 | |||
| Aetna | $75,190 | 2.1× | 5 |
| BCBS TN | $114,536 | 3.2× | 2 |
| Cigna | $71,134 | 2.0× | 3 |
| Commonwealth Health | $98,882 | 2.7× | 1 |
| Hpi | $98,882 | 2.7× | 1 |
| Lucent | $98,882 | 2.7× | 1 |
| MedBen | $98,882 | 2.7× | 1 |
| MultiPlan/PHCS (rental network) | $76,005 | 2.1× | 1 |
| Oscar | $113,929 | 3.1× | 1 |
| Partner Direct Health | $98,882 | 2.7× | 1 |
| UnitedHealthcare | $87,992 | 2.4× | 5 |
Questions
How much does lumbar spinal fusion cost with commercial insurance in Nashville TN?
8 Nashville TN hospitals post usable commercial rates for inpatient stay (MS-DRG 451). The median across hospitals is $30,628; hospital medians range from $18,220 to $59,251. Your cost depends on your plan's deductible and coinsurance.