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How Much Is Knee Surgery Without Insurance

What Is Arthroscopy And Is It For Me

How Much Does a Knee Replacement Cost at the Cleveland Clinic?

An arthroscope is a special camera used to examine the inside of the body. It can be as thin as the diameter of a drinking straw or pencil and can be inserted into your joint by a small incision. In some cases, this can be done on an outpatient basis, meaning less time in hospital and a faster recovery. Today, arthroscopy is one of the most common orthopedic procedures in North America.

Here is a list of the common treatments using knee arthroscopy:

  • Removal or repair of torn meniscal cartilage
  • Reconstruction of a torn cruciate ligament.
  • Trimming of torn pieces of articular cartilage.
  • Removal of loose fragments of bone or cartilage.
  • Removal of inflamed synovial tissue.

Paying For Hospital Stays And Surgeries

In 2019, Medicare spent about $799.4-billion on benefit expenses for 61-million individuals who were age 65 or older or disabled, according to the U.S. Department of Health and Human Services. Inpatient hospital services accounted for 29% of that amount . Approximately 36.3-million patients per year are admitted to U.S. hospitals, according to the American Hospital Association, and Medicare pays 90% of the costs for almost 42% of them. Overall, Medicare payments account for nearly 20% of all hospital care costs.

In 2019, Medicaid paid about $138.7billion for acute-care services, such as hospital care, physician services and prescription drugs. Its share of hospital admissions is about 20%, for whom it pays about 89% of all hospital costs. Overall, Medicaid pays for approximately 17% of all hospital care costs.

There are other ways to pay for surgery. Private health insurance pays for approximately 34% of all hospital care. Out-of-pocket costs comprise 11% of the total, while 18% are covered by other sources, including all other public health insurance programs, such as the Childrens Health Insurance Program , and programs of the Department of Veterans Affairs and the Department of Defense and other third-party payers, including workers compensation, and other state and local programs.

In the best-case scenario, the patient will have primary insurance to pay most of the expenses, along with a secondary form of insurance that pays the remaining expenses.

How Much Does It Cost To Get A Knee Replacement

Breaking Down the Cost of a Knee Replacement

The average hospital cost for a total knee replacement surgery in the United States is about $50,000. If youre in need of a partial knee replacement, the cost is anywhere from 10-20% less than that of a total knee replacement due to a shorter hospital stay.

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Just How Much Does A Meniscus Tear Surgery Cost

Usually, this surgical treatment can cost anywhere from $5,000 to as much as $30,000 without medical insurance. According to our detailed research, the average surgery without any complications will cost anywhere from $3,000 to $11,000.

For those who have a medical insurance policy, this treatment will most likely be covered as long as it is considered clinically required. Talk to your medical insurance company to make sure that a treatment such as this is covered. Those with insurance coverage have actually reported paying anywhere from $100 to $320 after insurance coverage kicked in.

Treatments that are performed in foreign nations, such as Mexico and India, can vary anywhere from $3,000 to $7,000. If thinking about a path such as this one, make sure to do your research prior to selecting a health center given that it can be really dangerous.

According to NewChoiceHealth, the cost of the surgical treatment can vary anywhere from $9,600 to $14,400 depending on the place you choose.

According to another website, a torn meniscus surgery can cost approximately $9,000, however, the cost can increase to $30,000, depending upon the chosen surgery, place, cosmetic surgeons costs, and hospitalization expenses.

Can You Wait Too Long For Knee Replacement Surgery

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If you wait too long for surgery you may not achieve the full benefit to your quality of life that a total joint replacement can offer. Like women with heart problems, women with joint problems are more likely to wait too long to see a specialist about their pain.

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Getting Ready For Surgery And Recovery

Once you and your doctor have decided that its the right choice for you, you can start to prepare.

You want to be as healthy as possible going into surgery thats a key part of how to avoid complications. Losing weight, improving fitness and managing your medical conditions can help.

Wang said some people start prehab and do exercises to prepare for knee replacement surgery. These exercises strengthen the muscles around the knee, so recovery is easier.

Of course, exercise is tough when your knees ache. Lajam says exercising in a pool can help. Water exercises help strengthen the legs, improve aerobic capacity and aid in weight loss. People get hooked on it. They cant wait to get back into the pool after surgery, she said.

Your doctor will likely recommend a physical and a pre-op visit to talk about the surgery and recovery. At your pre-op visit, be sure to cover the questions to ask before knee replacement surgery.

Ask about:

As your surgery date approaches, your doctor will review your medications and supplements and recommend those you should take or stop taking before your procedure.

Its a good idea to get your home ready so its easier for you to recover after surgery.


You want to make sure youre setting everything up so youre not worrying about things. You want to be focusing on getting better, Lajam said.

Why Does Meniscus Tear Hurt At Night

There are a couple of reasons why your knee pain is worse at night: Pain is perceived to be worse at nighttime. As you climb into bed and start to quiet your mind pain becomes more pronounced than when you were active during the day distracted by your activities. An active day may cause your knee joint to swell.

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How Well It Works

Most people have a lot less pain after knee replacement surgery and are able to do many of their daily activities more easily.

  • The knee will not bend as far as it did before you had knee problems. But the surgery will allow you to stand and walk for longer periods without pain.
  • After surgery, you may be allowed to resume activities such as riding a bike, swimming, walking for exercise, dancing, or cross-country skiing .
  • Your doctor may tell you not to run, play tennis, squat, and do other things that put a lot of stress on the joint.

Most knee replacements last about 20 years.footnote 1

The younger you are when you have the surgery and the more stress you put on the joint, the more likely it is that you will later need a second surgery to replace the first artificial joint. Over time, the components wear down or may loosen and need to be replaced.

Your artificial joint should last longer if you are not overweight and you do not do hard physical work or play sports that stress the joint.

If you wait to have surgery until you have already lost a lot of your strength, flexibility, balance, endurance, and ability to be active, then after surgery you might have a harder time returning to your normal activities.

After The Knee Replacement Procedure

How much does physical therapy cost after a total knee replacement?

The patient is moved to a recovery room after the surgery for a few hours. The medical team monitors the patient and once the effects of anesthesia subside, they are shifted to the inpatient hospital room. Depending on the type and technique, the patient may get discharged from the hospital on the same day as surgery or stay for a couple of days. The doctors administer antibiotics and pain medications to control the pain and discomfort.

While in the hospital, the patient is encouraged to move the foot and ankle to increase blood flow to the leg muscles and prevent swelling and blood clots. Some patients are recommended to wear support hose or compression boots to further prevent swelling and clotting.

The physical therapy and medical team guide the patient to gradually move around and take small walks. Gradually, the activity level is increased to strengthen the muscles and improve the range of motion. After leaving the hospital, the patient has to continue physical therapy at home or at an outpatient facility.

It is important to do all the exercises regularly, as per the instructions and take care of the precautions.

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Additional Costs For Knee Replacement

Although inpatient stay and hospital charges are the biggest part of the total expenditure, there are some outpatient services before and after the procedure that also cost. Outpatient services are the ones that one takes outside the hospital. This includes:

  • Pre- and postoperative expenses for clinic visits and diagnostic tests
  • Physical therapy after the surgery
  • Follow-up visits with the surgeon after discharge from the hospital

Medical insurance companies may pay as much as 80 percent for the outpatient service charges but the private insurance plans vary. Discuss this with the experts before the surgery. There are some deductibles and copays that may apply to outpatient or doctor visits before and after the surgery.

How can Lyfboat assist you getting knee replacement in India?

World’s Most Trusted Medical Advisory& Discount Platform

Lyfboat is a free advisory platform we do not charge any fees from patients. In fact, we negotiate the price that Indian hospitals offer. In some cases we are able to reduce the cost by negotiating upto 20% of what Hospitals generally offer. We advise the best treatment from the top hospital/surgeon at best price.

Using Your Home Equity

Home equity loans are borrowed against the value of your home that is greater than the balance of your mortgage. For example, if your home is currently worth $300,000, but you owe only $200,000 to the bank, you may be able to borrow against the $100,000 in equity.

It is typically easier to obtain this type of loan than an unsecured loan because the house is your collateral. This type of loan also provides a tax break as the interest is tax-deductible like a standard mortgage.

Keep in mind that if you are unable to make the payments on a home equity loan, the consequences can be dire. Failure to pay the loan back can result in foreclosure and eviction from your home.

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About Knee Replacement Surgery

The knees are the weight-bearing complex joints in the body. There are increasing cases of knee replacement surgery as the sedentary lifestyle, poor posture, and weight gain issues are rising among the general population. Additionally, the knees demand more attention as with age due to wear and tear.

Chronic knee pain can be a debilitating condition that may impact the daily life of an individual. Osteoarthritis, knee injury or certain strenuous activity or problems that have a long-term effect on health may lead to the need for knee replacement surgery. It aims to help restore normal knee functions and relieve pain as well as other symptoms.

Knee arthroplasty, also known as knee replacement surgery, involves replacement of damaged bone and cartilage with an artificial joint or prosthesis.

Saving Costs Through Insurance

Total Knee Replacement Cost Without Insurance

The cost of total knee replacement price is not always the exact cost paid by patients. In other words, discounts are available if one knows how to obtain them. One of the best recommendations for reducing the staggering cost of total knee replacement price is through health insurances.

There are two options a patient can choose from. The most highly recommended option is availing the government-sponsored insurance called Medicare. Another option is via a private insurance company. In any case, both options allow its beneficiaries to pay only a partial cost instead of the entire total cost.

Again, the exact coverage of the insurance will also depend on the kind of payment plan that the patient availed. Hence, there is no exact cost that fits all since one has to account for the specific payment plan, the kind of surgical procedure, as well as the kind of overall healthcare required after the knee surgery.

It is also important to consider that each hospital may have varying costs for their knee surgery. Cost variations are also steep when comparing different states. Case in point: in Dallas , knee surgery has a wide average gap that ranges from $16,722 to $61,585 without the medical insurance accounting for it.

The best course of action is for the patient to review their insurance plans with their provider including copays, coinsurance, and deductibles. In most cases, the average total cost of a knee surgery for those with health insurance ranges from $3,000 to $4,500.

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How Long Will My Recovery Take And What Will Happen

Recovery time after surgery will vary, depending on what the surgeon does. Simple procedures such as removing torn cartilage via arthroscopy can have a recovery time of as little as two weeks. More complicated procedures, such as repairing damaged structures or replacing the knee can require four to six months of recovery.

In any event, your orthopedic surgeon will prescribe pain medication for immediately following your surgery and probably suggest you keep your leg elevated and iced as much as possible for the first few days, to reduce swelling. Youll also need to keep your dressing clean and dry. As well, you may be advised to begin by using crutches or a cane for getting around.

Doing exercises or taking physiotherapy will be very important after surgery so you can regain as much motion and strength as possible.

What Do You Need To Know About The Cost Of Knee Replacement

The knee replacement procedure is one of the fastest-growing medical treatments in the U.S. Blue Cross Blue Shield AssociationBlue Cross Blue Shield Association Study Reveals Extreme Cost Variations for Knee and Hip Replacement SurgeriesThe cost of knee and hip replacement surgeriesamong the fastest growing medical treatments in the U.S.varies widely in markets across the country,View in Article

The United States is known for its wide variation in healthcare costs. A study of cost variations for knee replacement surgeries reveals: Blue Cross Blue Shield AssociationBlue Cross Blue Shield Association Study Reveals Extreme Cost Variations for Knee and Hip Replacement Surgeriesthe average typical cost for a total knee replacement procedure was $31,124 in 64 marketswhich had the greatest variance within a market, with costs as low as $17,910 .View in Article

  • The average cost for a TKR procedure was $31,124 in 64 markets.
  • The price varies as much as 313 %, depending on the hospital. As always, it is best to do your research on costs before paying for the treatment.

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Quality Of Knee Replacement Implant

Our Thai orthopaedic surgeons use the exact same implants as Australian and American surgeons. These include both the Zimmer and Depuy Synthes brands, which boast very strict and robust trialling methods. We also have robotic navigation available, which ensures extra accuracy when placing the prosthetic implant. The best quality and technology is provided for our traveling patients, without affecting their knee replacement cost.

How Long Do Knee Replacements Last

How to Recover Fast from Knee Replacement Surgery

There is an 8085% chance that your knee will last 20 years and a 9095% chance to last ten years. Having regular checkups keep your knee stay healthy. The AAHKS recommends visiting your knee surgeon every 3-5 years after TKR.AAHKSTotal Knee Replacement you have a 90-95% chance that your joint will last 10 years, and a 80-85% that it will last 20 yearsIn general seeing your surgeon every three to five years is recommended.View in Article

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How To Pay For Surgery Costs

There are numerous creative ways to cover the costs of surgery.

Borrowing from Retirement Savings Its not what were taught, but know that your 401k or 403b retirement plans could allow you to take a loan against the funds you already have saved without a penalty. Most plans will allow you to withdraw 50% of your vested balance for healthcare expenses.

Payment Plans They are commonly offered when surgery is routinely paid for by the patient instead of an insurance company. Sometimes, its a formal agreement for monthly payments. It could be a loan that involves the hospital or surgeon in the financial arrangements. Especially in the case of an unplanned or emergency surgery, hospitals are usually happy to establish a payment plan with willing patients. Monthly payments are more attractive than NO payments. And they should keep the debt from appearing on your credit report as a negative account.

Medical Crowdfunding This has become a routine process in recent years such as a GoFundMe that is powered by donors and its particularly effective for medical needs. You can start a campaign or one can be started for you.

Using The Nest Egg Spending your life savings on surgery is definitely not ideal. But if the surgery improves your quality of life, it could be money well spent.

Shop Around Hospitals and doctors charge different rates. If youre not tied down to a network, it pays to comparison shop, just like you would do at a store.

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Can You Drive A Car With A Torn Meniscus

For meniscus partial removal, you can be back to light activity in two weeks and full activity in 6 weeks. How long before i can drive a car? All patients must be off pain medicine before driving. Many patients can return to driving in 2 weeks or less once they feel completely safe operating a vehicle.

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