🩴 Surgery Details
Outpatient saves $8,000–$15,000 vs hospital inpatient
Please select a procedure.
For private insurance. Medicare: $1,632 Part A per benefit period.
Enter deductible $0 to $15,000.
Max you pay per year. After this, insurance pays 100%.
Enter OOP max $0 to $20,000.
Your Estimated Out-of-Pocket Cost
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⚠️ Disclaimer: These are estimates based on published national average cost data. Actual surgery costs vary significantly by hospital, surgeon, implant type, length of stay, and individual insurance plan terms. Always obtain a written cost estimate from your surgeon and hospital and a pre-authorization from your insurer before scheduling surgery. This is not a guarantee of coverage or cost.
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Sources & Methodology
Cost data sourced from Blue Cross Blue Shield of North Carolina 2024 procedure cost data, GoodRx Health cost analysis, CMS Medicare 2024 benefit period rates, and American Association of Hip and Knee Surgeons (AAHKS) cost breakdown research.
Blue Cross Blue Shield NC — Hip Replacement Procedure Cost 2024
BCBS NC reports average total hip replacement cost without insurance of $39,299, ranging $31,839 to $44,816. Primary source for procedure cost estimates used in this calculator.
CMS Medicare — 2024 Inpatient Hospital Benefits & Cost-Sharing
Official CMS Medicare 2024 benefit data: Part A deductible $1,632 per benefit period, coinsurance $408/day for days 61-90, Part B deductible $240, 20% Part B coinsurance. Used for all Medicare cost calculations.
AAHKS — Total Hip Replacement Cost Breakdown
American Association of Hip and Knee Surgeons analysis of hip replacement cost components: facility fee, surgeon fee, anesthesia fee, implant cost ($3,000 to $10,000), and post-surgical costs. Used to validate cost breakdown methodology.
Exact Calculation Formula (Private Insurance):
Total procedure cost = national average x region multiplier
Patient pays: min(deductible + 20% of max(0, total − deductible), oop_max)
Verified: If total cost = $39,299 x 1.0 = $39,299; deductible $2,000; 20% coinsurance on $37,299 = $7,460; but capped at OOP max $6,000. Patient pays $6,000. ✔
Medicare formula (2024):
Part A: Patient pays $1,632 deductible (days 1–60 covered in full thereafter)
Part B: Patient pays $240 deductible + 20% of surgeon/anesthesia fees (~$2,400 typical)
Total Medicare OOP estimate: $1,632 + $240 + 20% of surgeon fees
Outpatient saving = inpatient base − outpatient base (ASC vs hospital)
PT recovery: 24 sessions x $150 median = $3,600 estimated
Total procedure cost = national average x region multiplier
Patient pays: min(deductible + 20% of max(0, total − deductible), oop_max)
Verified: If total cost = $39,299 x 1.0 = $39,299; deductible $2,000; 20% coinsurance on $37,299 = $7,460; but capped at OOP max $6,000. Patient pays $6,000. ✔
Medicare formula (2024):
Part A: Patient pays $1,632 deductible (days 1–60 covered in full thereafter)
Part B: Patient pays $240 deductible + 20% of surgeon/anesthesia fees (~$2,400 typical)
Total Medicare OOP estimate: $1,632 + $240 + 20% of surgeon fees
Outpatient saving = inpatient base − outpatient base (ASC vs hospital)
PT recovery: 24 sessions x $150 median = $3,600 estimated
Last reviewed: April 2026
How Much Does Hip Replacement Surgery Cost in 2024?
Hip replacement surgery (hip arthroplasty) is one of the most common orthopedic procedures in the United States, with over 450,000 performed annually. The average total hip replacement cost without insurance is $39,299, with a range of $31,839 to $44,816, according to Blue Cross Blue Shield of North Carolina 2024 data. However, the setting matters enormously: outpatient hip replacement at an ambulatory surgical center averages $22,078 — saving $8,000 to $17,000 compared to hospital inpatient surgery. With commercial insurance, most patients pay only their deductible plus coinsurance up to the out-of-pocket maximum, typically $3,000 to $6,000 total.
Private Insurance OOP = min(deductible + 20% x (total − deductible), OOP_max)
Example — Total hip replacement, inpatient, national average:
Surgery total: $39,299 • Annual deductible: $2,000 • Coinsurance: 20% • OOP max: $6,000
Step 1: Deductible portion = $2,000
Step 2: 20% coinsurance on remaining $37,299 = $7,460
Step 3: Total would be $9,460, but OOP max caps at $6,000
Patient pays: $6,000 | Insurance pays: $33,299
Surgery total: $39,299 • Annual deductible: $2,000 • Coinsurance: 20% • OOP max: $6,000
Step 1: Deductible portion = $2,000
Step 2: 20% coinsurance on remaining $37,299 = $7,460
Step 3: Total would be $9,460, but OOP max caps at $6,000
Patient pays: $6,000 | Insurance pays: $33,299
Hip Replacement Cost by Procedure Type (2024)
| Procedure | Cost Without Insurance | With Insurance (OOP est.) | Medicare OOP est. |
|---|---|---|---|
| Total Hip Replacement (inpatient) | $31,839–$44,816 | $3,000–$6,000 | $4,000–$6,000 |
| Total Hip Replacement (outpatient ASC) | $22,000–$28,000 | $2,000–$5,000 | $2,400–$4,000 |
| Partial Hip Replacement | $25,000–$38,000 | $3,000–$6,000 | $3,500–$5,500 |
| Hip Resurfacing | $30,000–$45,000 | $3,000–$6,000 | $3,800–$6,000 |
| Revision Hip Replacement | $45,000–$65,000 | $5,000–$8,000 | $5,000–$8,000 |
| Bilateral Hip Replacement | $55,000–$75,000 | $6,000–$10,000 | $5,500–$8,000 |
Medicare Coverage for Hip Replacement Surgery (2024)
Medicare covers hip replacement surgery when medically necessary. Medicare Part A covers the inpatient hospital stay: in 2024, the Part A deductible is $1,632 per benefit period. For days 1 through 60 of a hospital stay, you pay only the deductible and Medicare covers the rest. For days 61 through 90, you pay $408 per day in coinsurance. Medicare Part B covers surgeon fees, anesthesia, and pre/post-operative care at 80% after the Part B deductible of $240 in 2024. You pay 20% of all Part B covered services. For a typical hip replacement with $12,000 in surgeon and anesthesia fees, Part B coinsurance would be approximately $2,400. Total Medicare out-of-pocket is typically $4,000 to $6,000 without a Medicare Supplement plan.
💡 Medicare Advantage & Medigap Savings: Medicare Advantage (Part C) plans often have lower out-of-pocket maximums than Original Medicare for orthopedic surgeries, sometimes capping hip replacement patient costs at $2,000 to $4,000. Medicare Supplement (Medigap) Plan G covers the Part A deductible and 20% coinsurance, reducing out-of-pocket costs to just $240 (the Part B deductible). If you have Medicare and are considering hip replacement, compare your coverage options before scheduling surgery.
Outpatient vs Inpatient Hip Replacement: The $10,000+ Difference
One of the most important cost decisions patients can make is choosing outpatient vs inpatient hip replacement. Outpatient same-day hip replacement at an Ambulatory Surgical Center (ASC) averages $22,078 in total all-in cost, versus $30,685 in facility fees alone for inpatient hospital surgery. The total inpatient cost including surgeon and anesthesia fees averages $39,299. For appropriate low-risk patients (younger, healthy, no significant comorbidities), outpatient hip replacement has been shown to have equivalent safety outcomes and saves $8,000 to $17,000 in total procedure costs. Most commercial insurance and Medicare cover outpatient hip replacement at CMS-approved ASCs.
Physical Therapy & Recovery Cost After Hip Replacement
| Recovery Cost Item | Cost Range | Typically Insurance-Covered? |
|---|---|---|
| In-home PT (weeks 1–4, ~8 visits) | $800–$1,500 | Yes (Medicare/insurance, co-pay) |
| Outpatient PT (weeks 4–12, ~20 visits) | $2,000–$5,000 | Yes (80% after deductible) |
| Adaptive equipment (walker, hip kit) | $150–$400 | Partly (DME benefit) |
| Pain medications (Rx, 4–6 weeks) | $50–$300 | Yes (with Part D/formulary) |
| Follow-up surgeon visits (3–6 visits yr 1) | $300–$800 | Yes (80% after deductible) |
| X-rays and imaging | $100–$400 | Yes |
| Total recovery costs (est.) | $3,400–$8,400 | Mostly covered |
Medical Tourism for Hip Replacement
Medical tourism for hip replacement offers significant savings for self-pay patients willing to travel. At Joint Commission International (JCI) accredited facilities, hip replacement costs range from $8,000 to $14,000 all-inclusive (surgeon, facility, anesthesia, implant, post-op care) in Mexico, Costa Rica, India, and Thailand, compared to $31,000 to $45,000 in the US. That represents savings of $17,000 to $35,000. However, post-operative follow-up care and physical therapy must be arranged locally upon return, and complications requiring emergency care add risk far from home. Thoroughly verify JCI accreditation, surgeon credentials, and implant quality at any international facility before proceeding.
Frequently Asked Questions
Total hip replacement without insurance averages $39,299 nationally, ranging $31,839 to $44,816 (BCBS NC 2024). Outpatient hip replacement at an ASC averages $22,000 to $28,000. Geographic cost variation is significant: high-cost states like California, New York, and Massachusetts can add 20 to 55 percent above the national average. Self-pay patients can often negotiate cash-pay discounts of 10 to 30 percent from hospitals and surgical centers, especially at accredited outpatient centers that post transparent pricing.
Yes. Medicare Part A covers the inpatient hospital stay. In 2024, you pay the Part A deductible of $1,632 per benefit period; for days 1 to 60, Medicare covers 100% of approved costs after the deductible. Part B covers surgeon fees, anesthesia, and pre/post-op care at 80% after the $240 Part B deductible. You pay 20% coinsurance on Part B services. Total Medicare out-of-pocket for hip replacement is typically $4,000 to $6,000 without a Medigap supplement plan, or as little as $240 with a comprehensive Medigap Plan G.
With private insurance, you pay your annual deductible plus 20% coinsurance (typically) up to your out-of-pocket maximum. Example: $39,299 surgery, $2,000 deductible, 20% coinsurance, $6,000 OOP max = you pay $6,000 (reaches OOP max before full coinsurance is reached). Once you hit your OOP maximum, insurance covers 100% for the rest of the plan year. Out-of-pocket costs typically range from $3,000 to $8,000 depending on your specific plan. Always obtain prior authorization before scheduling hip replacement surgery.
Outpatient hip replacement at an ASC averages $22,000 to $28,000 all-in versus $39,299 for hospital inpatient total costs — a savings of $8,000 to $17,000. Outpatient surgery (same-day, go home the same day) has become increasingly common for healthy, low-risk patients. Most commercial insurance and Medicare cover outpatient hip replacement at approved facilities. The key consideration is medical suitability: patients with significant comorbidities, high BMI, or complex presentations may require inpatient admission for safety.
Bilateral hip replacement (both hips at once) typically costs 1.5 to 1.8 times a single hip replacement, roughly $55,000 to $75,000 without insurance, because it shares anesthesia and facility overhead. However, most surgeons prefer staged bilateral hip replacements (one hip at a time, 3 to 6 months apart) due to lower complication risk and easier rehabilitation, at a total cost of approximately $78,000 for both procedures separately. With insurance, you benefit from two out-of-pocket maxima if staged across two calendar years, potentially reducing your total patient cost significantly.
Revision hip replacement costs $45,000 to $65,000 without insurance — 30 to 50 percent more than primary hip replacement due to greater complexity, longer operative time, specialized implants ($8,000 to $20,000+), and higher complication rates. With insurance, out-of-pocket costs are typically $5,000 to $8,000 (higher because total procedure costs exceed OOP maximum more easily). Modern primary hip implants last 15 to 25 years for most patients, so revision is not needed for many years in typical cases.
A full PT course after hip replacement (8 to 12 weeks, 20 to 36 sessions) costs $2,000 to $9,000 without insurance at $100 to $250 per session. With insurance covering 80% after the deductible, out-of-pocket is typically $500 to $2,000. In-home PT immediately after discharge adds $800 to $1,500 for 4 to 8 home visits in weeks 1 to 3. Adaptive equipment (walker, hip kit, raised toilet seat, shower chair) costs $150 to $400. Many bundled payment hip replacement programs include PT in the total price — ask your surgeon before signing a care agreement.
Yes. JCI-accredited facilities in Mexico, Costa Rica, India, and Thailand perform hip replacement for $8,000 to $14,000 all-inclusive, compared to $31,000 to $45,000 in the US, saving $17,000 to $35,000. Quality at accredited international centers is generally high, but considerations include: distance from post-operative complications care, follow-up PT must be arranged locally, potential implant warranty issues if revisions are needed in the US, and travel logistics during recovery. Always verify JCI accreditation, surgeon credentials, implant brand and quality, and aftercare arrangements thoroughly before proceeding.
Modern hip implants last 15 to 25+ years for most patients. Studies show 85 to 90 percent implant survivorship at 20 years. Factors affecting longevity: patient age and activity level (younger, more active patients wear implants faster), body weight (higher BMI increases wear), implant materials (ceramic-on-highly-cross-linked polyethylene and metal-on-ceramic have excellent durability), and surgical technique. Patients who receive hip replacement before age 60 have a higher lifetime probability of eventually needing revision surgery, which is an important planning consideration.
Yes. Financing options include: CareCredit and Prosper Healthcare Lending (medical-specific financing, 6 to 24 months interest-free promotions); personal loans from banks or credit unions (6 to 15% APR); hospital in-house payment plans (many hospitals offer 12 to 36 month plans for self-pay patients); HSA or FSA funds (hip replacement is a qualifying medical expense); and medical tourism package pricing with financing through some international providers. Self-pay patients can often negotiate a 10 to 30 percent cash-pay discount directly with surgical facilities, significantly reducing the amount needing financing.
Key cost factors: geographic location (urban/high-COL areas 20 to 55% above national average); inpatient vs outpatient setting ($8,000 to $17,000 difference); implant type and brand ($3,000 to $10,000 range for implant alone); surgeon experience and credentials (higher-volume surgeons at academic centers may cost more); hospital vs ASC (ASCs are consistently cheaper); length of hospital stay; whether skilled nursing facility rehabilitation is needed post-discharge ($300 to $800/day); and type of anesthesia used. Bundled payment programs (a single fee covering all providers for 90 days) can provide cost predictability and often lower total costs.
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