Hip replacement and care can be costly. Most health plans cover much of these costs. But finding out the cost weeks before surgery can save you hassle and money afterwards.
The cost of hip replacement may vary in different parts of the United States. It can also vary between different hospitals and surgeons.
The average cost for hip replacement surgery without any insurance in the United States is about $30,000. However, depending upon where you live, it could cost as little as $16,000 or as much as $70,000. The cost can vary even within each area of the country.
In general, this cost includes:
Serious complications during or after surgery, may add an extra cost -- up to many times the cost of surgery.
Other care you receive can also add to the cost. This may include:
Most health insurance plans and Medicare will pay for the costs of your hip replacement surgery. Your surgeon's office and the hospital will often call your insurance company themselves.
Even if your insurance covers your surgery, you may still need to pay part of your bill. Most insurance plans, including Medicare, have what are called copays, coinsurance, deductibles, or out-of-pocket expenses. These are the fees you must pay.
Often, your surgeon and the hospital can tell you how much of the costs are covered and what you will need to pay yourself.
Items your insurance may often NOT pay for include:
Sometimes, your insurance will not pay for care unless they approved it before the care occurred. This is called preauthorization.
Find out exactly what your insurance company will cover ahead of time. Get answers to these questions:
If your insurance company denies or refuses to cover your surgery, you can appeal this decision. Find out why your coverage was ended and submit an appeal.
Remember, you should do ALL of this long before you go to the hospital for surgery.
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