How Much Does Knee Replacement Surgery Cost?

​When it comes to knee replacement surgery, one of the biggest concerns patients often have, beyond the recovery itself, is the cost. It’s a major procedure, and understandably, the financial side of things can feel just as overwhelming as the physical side.

In this article, we’re focusing mainly on costs within the United States, as healthcare pricing and insurance coverage can vary widely in other countries. Breaking the costs down into the main parts can help you better understand the bigger picture and prepare for what’s ahead.

The Big Picture: What Goes Into the Cost of Knee Replacement Surgery

The total cost of knee replacement surgery can include the procedure itself, the hospital stay, post-surgery physical therapy, and even the little things like getting to and from your appointments. While insurance often covers a good portion of the surgery, the out-of-pocket costs can add up quickly if you’re not ready for them.

Typical Costs of the Surgery

The cost of knee replacement surgery can vary widely depending on where you live and whether you’re having a partial or total replacement. The price range for a knee replacement in the United States is $39,927-$195,264. This includes the surgeon’s fee, anesthesia, and hospital charges. Some hospitals or outpatient centers may charge less, but if you’re at a larger hospital or in a city with a high cost of living, the number can climb much higher.

Insurance usually covers the bulk of this cost; however, deductibles and co-pays can still add up, and it’s important to check with your insurance provider to understand exactly what’s covered.

Hospital Stay and Related Expenses

After knee replacement surgery, most people stay in the hospital for one to three days. Each day in the hospital adds to the overall cost. You’ll have fees for the hospital room, medications, and any special equipment used during your stay. Even if insurance covers a large portion, out-of-pocket charges may still come through. We’re also seeing a major shift in where knee replacement surgeries are performed. More procedures are moving from hospitals to Ambulatory Surgery Centers (ASCs). ASCs are designed for outpatient procedures, which means patients can often go home the same day instead of staying overnight in the hospital. This not only reduces overall costs for patients but can also lower the risk of hospital-acquired infections and streamline the recovery process. Many experts view ASCs as the future of total knee replacement surgery, offering patients a more convenient and cost-effective option without compromising quality of care.

The Role of Physical Therapy in the Cost of Knee Replacement Surgery

Once you’re discharged, physical therapy becomes one of the biggest ongoing costs. You’ll likely attend sessions two to three times a week for several weeks. If your co-pay is $40 per session and you go three times a week, that’s $120 a week out of your pocket. Over 8 to 12 weeks, the total can add up to well over $1,000 just in co-pays.

On top of that, you also need to account for travel costs. Gas, any parking fees, and time spent commuting to and from appointments can wear on both your budget and your energy. It’s something many people forget to factor into the total cost of knee replacement surgery.

What Insurance Typically Covers

Most insurance plans in the U.S., including Medicare, cover total knee replacement surgery when it’s considered medically necessary. This usually means you’ve tried other treatments like medications, injections, or physical therapy, and your pain and mobility still haven’t improved enough. Coverage typically includes the surgery, hospital stay, and some level of post-operative therapy.

Still, every insurance plan is different. Some plans may limit the number of physical therapy visits they cover. Others might not fully cover specialized equipment or services. It’s worth calling your provider ahead of time so you know exactly what to expect and avoid surprises.

Other Hidden or Overlooked Costs

Beyond the major bills, there are plenty of smaller costs that sneak up on you during knee replacement recovery. Things like ice packs, compression sleeves, or assistive devices such as walkers and shower chairs. Even something as simple as ordering takeout more often because cooking is tough can stretch your budget.

Some people also need home modifications to make life easier during recovery, like grab bars in the bathroom or ramps for easier access. These aren’t medical expenses that insurance covers, but they can make a big difference in your safety and independence.

Ways to Manage the Cost of Knee Replacement Surgery

It’s easy to feel stressed when you start adding up the numbers, but there are strategies to help you manage the financial side of things.

Ask About Payment Plans

Hospitals and providers sometimes offer payment plans that allow you to spread out your bills rather than paying them all at once.

Explore Outpatient Options

In the U.S., some patients may qualify for outpatient knee replacement, often performed in Ambulatory Surgery Centers (ASCs). These facilities allow you to return home the same day, which can significantly reduce hospital-related costs.

Look Into At-Home Rehab Solutions

One way to reduce ongoing rehab costs is by exploring at-home programs like GoKnee, a lightweight, portable device with easy-to-follow video exercises crafted by physical therapists, offering both prehab and post-op protocols you can do independently or alongside traditional PT. This can significantly lower co-pays, eliminate frequent travel, and free up time, especially helpful for loved ones who otherwise might need to take time off work or rearrange their schedules to drive you to appointments.

Planning Ahead Makes a Difference

The cost of knee replacement surgery is more than just the number you see on your hospital bill. It’s an investment of time, energy, and money. But by planning ahead, asking questions, and knowing what to expect, you can take control of the process instead of feeling caught off guard.

When you understand the costs and prepare for them, you’re not just saving money because you’re also giving yourself the best chance at a smoother, less stressful knee replacement recovery. Good luck on your knee journey!

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