Is Knee Surgery Expensive If I Have Insurance - Most Insurances Accepted
Knee surgery typically needs to be performed by an orthopedic surgeon if the patient does not see any improvement after undergoing non-surgical treatments. Knee replacement and reconstruction surgery is a common occurrence, especially among very active athletes and older individuals. Most knee surgeries are affordable for those who do have health insurances. The following are average costs for the majority of knee surgeries:
Standard Medical Cost of Surgery
The standard cost of most knee surgeries depend on whether or not a patient has a health insurance policy. Patients with health insurance policies do not have to worry about the main medical costs for a knee surgery, because their insurance carrier covers them. Generally, knee surgeries covered by health insurances can cost anything from $900 to $6,000 (depending on the surgery type).
However, hospital admission and co-pay fees often come out of the patients’ own pocket. Those individuals that are not covered by any health insurance policies should expect to pay about $35,000, but bear in mind that the cost can go up to as much as $60,000.
Things Included in the Expenses
Whether it is a knee reconstruction or replacement surgery that the patient has to undergo, it remains important that the patient attends rehabilitation. Rehabilitation helps to regain one’s usual knee mobility and function. Even before surgery is conducted, patients have to go for a few sessions of physical therapy to prepare them properly for the operation. Medical costs normally include rehabilitation, but at times, it is categorized as an additional cost.
There are several accessories needed in order to recover from knee surgery. These accessories can be a knee brace or a pair of crutches, and are covered by most health insurances. This is certainly a plus point for patients who have health insurances, such as Humana, Fidelis Care, Medicaid, and many others.
Patients who do not have the privilege of being covered by health insurance policies will have to fork out approximately $300 to $500 for the knee brace or crutches. While patients are recovering, the physical therapy session can cost about $70 to $100 per hour, and the fee depends on a number of factors including location and the specific qualifications that the therapist holds.
Background Checks are Essential
Individuals who need knee surgery to repair the damage to their knee after an injury should certainly conduct as much research as possible with reference to the surgeon, medical center, accepted insurances, and it is advisable to read different customer reviews as well.
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