1. Calculate
Choose your project scope and see the estimated price range.
Health
Hip Replacement Cost Calculator — 2026 US Price Estimator by Approach & Insurance
Get a 2026 all-in cost estimate for hip replacement by surgical approach, insurance status, and facility type — then connect with board-certified orthopedic surgeons near you.
No signup for the estimateUses current market ratesYour result stays visible
Calculate my projectInstant project estimate
Tell us what you need
The estimate is free. Additional details are optional.
Procedure Type
Insurance Status
Facility Type
Location
Your project estimate
Complete the project details and calculate to see a price range and next steps.
Clear next step
From initial idea to detailed scope
2. Review
Understand the cost drivers and what impacts your final quote.
3. Compare
Carry your scope into a local quote request if you choose.
What You'll Need
5 in 1 Hip Brace for Women Men Sciatica Pain Relief Devices - Adjustable Groin, Hip Flexor Compression Wrap for Comfortable Thigh, Hamstring & Sciatic Nerve Support, Improved Mobility & Recovery
$29.98
View on Amazon
5 in 1 Hip Brace for Women Men Sciatica Pain Relief Devices - Adjustable Groin, Hip Flexor Compression Wrap for Comfortable Thigh, Hamstring & Sciatic Nerve Support, Improved Mobility & Recovery
$29.98
View on Amazon
Dr. Arthritis Doctor Developed Strengthening Stabilizing Hip Brace for Men Women,Compression Wrap for Hip Pain,Hips Support Brace,Thigh Supports With Handbook, hamstring brace(LXL, Black)
$25.94
View on Amazon5 in 1 Hip Brace for Women Men Sciatica Pain Relief Devices - Adjustable Groin, Hip Flexor Compression Wrap for Comfortable Thigh, Hamstring & Sciatic Nerve Support, Improved Mobility & Recovery
$29.98
View on Amazon5 in 1 Hip Brace for Women Men Sciatica Pain Relief Devices - Adjustable Groin, Hip Flexor Compression Wrap for Comfortable Thigh, Hamstring & Sciatic Nerve Support, Improved Mobility & Recovery
$29.98
View on AmazonDr. Arthritis Doctor Developed Strengthening Stabilizing Hip Brace for Men Women,Compression Wrap for Hip Pain,Hips Support Brace,Thigh Supports With Handbook, hamstring brace(LXL, Black)
$25.94
View on AmazonAs an Amazon Associate, we earn from qualifying purchases.
Price as of Jul 24, 2026. Product prices and availability are accurate as of the date indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
Related calculators
Physical Therapy Cost CalculatorEstimate the cost of post-operative physical therapy sessions — a mandatory part of hip replacement recovery typically spanning 6–12 weeks after discharge.Chiropractor Cost CalculatorPrice chiropractic care for musculoskeletal pain management — an option some patients explore before committing to joint replacement surgery.Acupuncture Cost CalculatorEstimate acupuncture session costs for hip and joint pain management — often used as a complementary therapy before or after orthopedic surgery.Cataract Surgery Cost Calculator — 2026 Price Estimator by Lens Type & InsuranceEstimate 2026 cataract surgery costs by lens type. Monofocal IOL runs $1,500–$3,500/eye; multifocal up to $6,500. Compare lens options and insurance coverage.Knee Replacement Cost Calculator — 2026 Price Estimator by Procedure & InsuranceEstimate 2026 knee replacement costs by procedure type and insurance. Uninsured totals run $35,000–$70,000; insured out-of-pocket averages $5,000–$12,000.Wisdom Teeth Removal Cost Calculator — 2026 Price EstimatorEstimate 2026 wisdom teeth removal costs by extraction type. Typical US range: $300–$3,100 for all four; each tooth runs $75–$1,100 depending on difficulty.
Disclaimer: This calculator provides cost estimates for informational purposes only. It is not medical or dental advice, diagnosis, or treatment recommendation. Actual procedure costs vary by provider, location, insurance coverage, complications, and individual medical factors. Consult a licensed healthcare provider for medical guidance. Insurance coverage and out-of-pocket costs should be verified directly with your insurer and the provider before scheduling any procedure. This estimate does not include prescription medications, follow-up care, complications, or related ancillary services unless explicitly stated. No outcome, safety, or success rate is implied or guaranteed.
Did You Know?
Hip replacement costs $30,000–$80,000 uninsured in 2026 depending on approach; with insurance, out-of-pocket typically runs $5,000–$12,000. A posterior total hip replacement averages $30,000–$50,000 uninsured; the anterior approach runs $33,000–$55,000; bilateral replacement (both hips) reaches $55,000–$80,000. These figures include the implant, surgeon, anesthesia, and facility fees.
Frequently Asked Questions
QHow much does hip replacement cost in 2026?
Hip replacement costs $30,000 to $80,000 all-in for uninsured patients in 2026, depending on the surgical approach and facility. A standard posterior total hip replacement typically runs $30,000 to $50,000; the anterior muscle-sparing approach costs $33,000 to $55,000; bilateral replacement of both hips in one session reaches $55,000 to $80,000; and revision surgery to correct a prior implant costs $40,000 to $65,000. These figures include the implant itself ($5,000 to $12,000), the surgeon fee, anesthesia, and facility charges. Insured patients — including those on Medicare — typically pay $5,000 to $12,000 out of pocket through deductibles, coinsurance, and copays.
- Total hip replacement (posterior, uninsured): $30,000–$50,000
- Anterior hip replacement (uninsured): $33,000–$55,000
- Bilateral hip replacement (both hips, uninsured): $55,000–$80,000
- Revision hip replacement (uninsured): $40,000–$65,000
- With Medicare or commercial insurance: typical out-of-pocket $5,000–$12,000
| Procedure | Uninsured All-In (2026) | Insured Out-of-Pocket |
|---|---|---|
| Total hip (posterior) | $30,000–$50,000 | $5,000–$10,000 |
| Anterior hip replacement | $33,000–$55,000 | $5,500–$11,000 |
| Bilateral hip replacement | $55,000–$80,000 | $8,000–$12,000 |
| Revision hip replacement | $40,000–$65,000 | $6,500–$12,000 |
QWhat is the out-of-pocket cost for hip replacement with insurance or Medicare?
With Medicare, most patients pay the Part A inpatient deductible ($1,676 in 2026) plus 20% coinsurance after the deductible for any physician or outpatient services billed under Part B. For a typical inpatient total hip replacement, total out-of-pocket under traditional Medicare runs $3,000 to $8,000 depending on the length of stay and the number of Part B services billed. With a Medicare Supplement (Medigap) plan, most or all of that cost-sharing is eliminated. Commercial employer plans vary widely: patients on a high-deductible health plan typically pay $4,000 to $12,000, while those on a low-deductible plan may pay $1,500 to $5,000. In all cases, ensuring the surgeon, anesthesiologist, and facility are in-network with your specific plan is the single most important cost-control step.
- Traditional Medicare Part A deductible (2026): $1,676 per benefit period
- Medicare Part B: 20% coinsurance for physician and outpatient services after deductible
- Medicare Supplement (Medigap): covers most or all cost-sharing
- Commercial high-deductible plan: $4,000–$12,000 out of pocket
- Commercial low-deductible plan: $1,500–$5,000 out of pocket
- Out-of-network billing can add thousands regardless of plan type
| Insurance Type | Typical Out-of-Pocket | Key Variable |
|---|---|---|
| Traditional Medicare (no supplement) | $3,000–$8,000 | Length of stay, Part B services |
| Medicare + Medigap Plan G/N | $240–$600 | Plan deductible only |
| Commercial high-deductible plan | $4,000–$12,000 | Deductible + coinsurance |
| Commercial low-deductible plan | $1,500–$5,000 | Copays + coinsurance |
| Uninsured / self-pay | $30,000–$80,000 | Listed charge or negotiated rate |
QWhat is included in the all-in hip replacement cost?
An all-in hip replacement quote covers four main cost components billed separately by different parties: the implant itself, the surgeon fee, the anesthesia fee, and the hospital or surgical facility fee. The implant — the metal-and-plastic or ceramic-and-metal artificial joint — typically costs $5,000 to $12,000 at list price, though hospitals often negotiate lower prices from manufacturers. The surgeon fee is typically $2,000 to $6,000 depending on the procedure complexity and market. Anesthesia adds $1,500 to $3,000. The facility fee — which covers the operating room, nursing staff, recovery room, and for inpatient cases the overnight stay — is the largest single line item at $15,000 to $35,000. Physical therapy during the hospital stay is usually bundled into the facility fee; outpatient rehab after discharge is billed separately.
- Implant (artificial hip joint): $5,000–$12,000 at list price
- Surgeon fee: $2,000–$6,000 depending on approach and complexity
- Anesthesia fee: $1,500–$3,000 (anesthesiologist or CRNA)
- Facility / hospital fee: $15,000–$35,000 (largest single component)
- Inpatient overnight stay: typically included in the facility fee
- Outpatient physical therapy (post-discharge): billed separately, $150–$350 per session
| Cost Component | Typical Range | Who Bills It |
|---|---|---|
| Implant (prosthesis) | $5,000–$12,000 | Hospital (purchased from manufacturer) |
| Surgeon fee | $2,000–$6,000 | Orthopedic surgeon / group practice |
| Anesthesia fee | $1,500–$3,000 | Anesthesiologist or CRNA |
| Facility / hospital fee | $15,000–$35,000 | Hospital or ASC |
QHow does the surgical approach affect the cost of hip replacement?
The posterior (traditional) approach is the most common technique and generally the most cost-efficient, with uninsured all-in costs of $30,000 to $50,000. The anterior approach is a newer, minimally invasive technique that accesses the hip joint from the front without cutting through major muscles, which can lead to faster recovery and shorter hospital stays but requires a specialized operating table and longer setup time, pushing costs 8 to 14 percent higher at $33,000 to $55,000. Bilateral hip replacement — replacing both hips in a single surgical session — does not double the cost because anesthesia and OR time are shared, but it does reach $55,000 to $80,000 and carries higher procedural risk. Revision surgery is the most expensive approach at $40,000 to $65,000, because it requires removing and replacing a prior implant, which can involve cement removal, bone grafting, and significantly longer OR time.
- Posterior (traditional): $30,000–$50,000 uninsured; most widely performed approach
- Anterior (muscle-sparing): $33,000–$55,000; faster recovery, specialized OR setup
- Bilateral (both hips): $55,000–$80,000; shared anesthesia but higher risk
- Revision (implant correction): $40,000–$65,000; cement removal and bone grafting add complexity
- Posterior approach available at nearly every orthopedic hospital in the US
- Anterior approach requires a surgeon with specific training and specialized OR table
| Approach | Uninsured Range | Recovery Advantage |
|---|---|---|
| Posterior (traditional) | $30,000–$50,000 | Widely available; well-established outcomes |
| Anterior (muscle-sparing) | $33,000–$55,000 | Less muscle disruption; faster rehab potential |
| Bilateral (both hips) | $55,000–$80,000 | Single anesthesia event; shared recovery period |
| Revision (correction) | $40,000–$65,000 | Addresses implant failure or malposition |
QDoes Medicare cover hip replacement, and what will I actually pay?
Medicare covers hip replacement as a medically necessary procedure when conservative treatments such as physical therapy, pain management, and assistive devices have not provided adequate relief and the patient's functional limitations are documented. Under traditional Medicare, the surgery is typically billed as an inpatient hospital stay under Part A (deductible $1,676 in 2026, then zero coinsurance for days 1–60) and physician services under Part B (20% coinsurance after the $240 annual deductible). Since CMS expanded outpatient coverage for joint replacement in 2020, short-stay and next-day-discharge cases may be billed as outpatient under Part B, which changes the cost-sharing structure. Medicare Advantage plans follow the same coverage rules but may have different copay structures, network requirements, and prior authorization processes — always verify with your specific plan before scheduling.
- Medicare covers hip replacement when medically necessary and conservative care is exhausted
- Part A inpatient deductible (2026): $1,676 per benefit period
- Part B coinsurance: 20% of Medicare-approved amount for physician services
- Outpatient (short-stay) hip replacement: billed under Part B since 2020
- Medicare Advantage: same coverage rules, different cost-sharing and prior auth requirements
- Medigap Plan G or Plan N eliminates most or all inpatient cost-sharing
Example Calculations
1Total hip replacement, uninsured, hospital
Inputs
Procedure typeTotal hip replacement (posterior approach)
Insurance statusUninsured / self-pay
FacilityHospital (inpatient or outpatient)
Result
Estimated all-in cost$30,000 – $50,000
Implant cost (est.)$5,000–$12,000
Facility + surgeon + anesthesia$18,000–$38,000
The base range for a posterior total hip replacement at a hospital with no insurance is $30,000–$50,000 all-in (base $30,000–$50,000 × 1.0 uninsured × 1.0 hospital). This is the most common scenario in the US; self-pay patients should ask the hospital billing department for a charity-care or self-pay discount, which can reduce the stated charge by 30–60%.
2Total hip replacement, insured (Medicare or commercial), hospital
Inputs
Procedure typeTotal hip replacement (posterior approach)
Insurance statusInsured (Medicare, commercial, or employer plan)
FacilityHospital (inpatient or outpatient)
Result
Estimated out-of-pocket cost$6,000 – $10,000
Medicare Part A deductible (2026)$1,676
Remaining coinsurance + Part BVaries by plan
With insurance, the out-of-pocket estimate applies the 0.20 insured multiplier to the $30,000–$50,000 base: $30,000 × 0.20 = $6,000 and $50,000 × 0.20 = $10,000. The actual figure depends on your specific deductible, coinsurance rate, and in-network status. Medicare patients with a Medigap supplement may pay significantly less.
3Anterior hip replacement, insured, ambulatory surgical center
Inputs
Procedure typeAnterior hip replacement (muscle-sparing)
Insurance statusInsured (Medicare, commercial, or employer plan)
FacilityAmbulatory surgical center (ASC)
Result
Estimated out-of-pocket cost$5,148 – $8,580
ASC facility savings vs hospital~22% lower facility fee
Anterior approach premium vs posterior~10% higher base cost
The anterior approach base is $33,000–$55,000. Applying the 0.20 insured multiplier gives $6,600–$11,000; applying the 0.78 ASC facility multiplier further reduces to $5,148–$8,580. The ambulatory surgical center discount offsets most of the anterior-approach premium for insured patients, making this a cost-competitive option when the patient qualifies for outpatient surgery.
Formulas Used
All-in hip replacement cost
Total = Implant cost + Surgeon fee + Anesthesia fee + Facility feeThe total out-the-door cost is the sum of four separately billed components. The facility fee is the largest, typically representing 50–65% of the uninsured total. Always request an itemized estimate from each billing party before scheduling.
Where:
Implant cost= $5,000–$12,000 at list price; hospitals negotiate lower rates from manufacturersSurgeon fee= $2,000–$6,000; scales with procedure complexity (revision > bilateral > anterior > posterior)Anesthesia fee= $1,500–$3,000; billed per time unit by the anesthesiologist or CRNAFacility fee= $15,000–$35,000; covers OR, nursing, recovery, and inpatient stay if applicableInsurance out-of-pocket estimate
OOP = Full cost × (Deductible + Coinsurance rate) / Coverage factorFor most commercial and Medicare plans, the patient's share is the remaining deductible plus the coinsurance percentage applied to the Medicare-approved or contracted rate. This calculator approximates 20% of the listed cost as the typical out-of-pocket for insured patients, reflecting average deductible and coinsurance patterns across Medicare and employer plans.
Where:
Deductible= Amount owed before insurance begins paying; $1,676 for Medicare Part A inpatient in 2026Coinsurance rate= Patient's share after deductible; typically 20% for Medicare Part B, varies for commercialCoverage factor= Whether the provider is in-network; out-of-network billing can nullify negotiated ratesBilateral vs. staged procedure cost comparison
Bilateral total ≈ (Single hip cost × 1.6 to 1.9) vs Staged total = Single hip cost × 2Bilateral hip replacement in one session costs roughly 60–90% of two separate surgeries because anesthesia and OR overhead are shared. The trade-off is higher short-term risk from prolonged anesthesia and blood loss. Staged surgery (one hip now, one hip later) doubles anesthesia and facility fees but reduces per-session risk for higher-risk patients.
Where:
Single hip cost= All-in cost for one total hip replacement, including implant, surgeon, anesthesia, and facility1.6–1.9 factor= Bilateral multiplier; reflects the marginal cost of the second hip once anesthesia and OR are already running2.0 factor (staged)= Full second-surgery overhead for each session when procedures are separated by weeks or monthsHip Replacement Costs in 2026: What You Actually Pay by Approach, Insurance, and Facility
1
What Hip Replacement Costs in 2026: The Uninsured vs. Insured Gap
The figures this calculator produces are informational cost estimates based on 2026 US market and Medicare data. As stated in the disclaimer above, actual procedure costs vary significantly by provider, location, insurance status, implant type, and individual medical factors. With that framing in mind, here is the current state of US hip replacement pricing: for patients without insurance paying the full listed price, a standard posterior total hip replacement at a hospital costs $30,000 to $50,000 all-in — meaning the implant, surgeon fee, anesthesia, and facility charges combined. Patients on Medicare or a commercial insurance plan typically pay $5,000 to $12,000 out of pocket, depending on their specific deductible, coinsurance rate, and in-network status.
The $30,000 to $50,000 uninsured range for a total hip replacement is not a misprint. Hip arthroplasty is a major surgical procedure that requires a specialized prosthetic implant (itself worth $5,000 to $12,000 at list price), a sterile operating room typically used for two to four hours, one to two nights of inpatient hospital care, and a dedicated anesthesia provider throughout the procedure. The facility fee alone — which covers the OR, nursing staff, recovery room, surgical supplies, and the inpatient stay — typically accounts for $15,000 to $35,000 of the total. Surgeon fees add another $2,000 to $6,000 and anesthesia $1,500 to $3,000. These components are billed separately, often arriving as three or four distinct invoices, which causes confusion when patients compare single-number quotes they received during pre-surgical planning.
The uninsured vs. insured gap is dramatic because US hospital pricing involves two parallel systems: the chargemaster (the listed price that uninsured patients are billed) and the contracted rate (the deeply discounted rate that Medicare and commercial insurers have negotiated). Medicare typically pays 35 to 55 percent of the chargemaster rate for the same procedure, which is why an insured patient's total cost exposure is a fraction of what an uninsured patient faces. Self-pay patients who do not have insurance but cannot qualify for Medicaid may be eligible for hospital charity-care programs that bring their effective cost closer to the Medicare rate — typically 30 to 60 percent below the listed charge — but these programs require application and income verification.
Regional variation adds another layer of complexity. Hip replacement in major metropolitan areas — New York City, Los Angeles, Boston, San Francisco, and Chicago — runs 20 to 35 percent above the national average, driven by higher commercial real estate costs, physician salaries, and market-level pricing expectations. Mid-size cities and the Southeast and Midwest typically run near or slightly below national averages. The calculator adjusts for these differences when a ZIP code or city is provided, but the best way to calibrate your actual regional cost is to contact the hospital's financial counseling or patient services department directly and request a personalized pre-service cost estimate.
| Procedure | Uninsured All-In (2026) | Insured Out-of-Pocket |
|---|---|---|
| Total hip (posterior) | $30,000–$50,000 | $5,000–$10,000 |
| Anterior hip replacement | $33,000–$55,000 | $5,500–$11,000 |
| Bilateral hip replacement | $55,000–$80,000 | $8,000–$12,000 |
| Revision hip replacement | $40,000–$65,000 | $6,500–$12,000 |
If you are uninsured, contact the hospital's financial counseling office before scheduling and ask about self-pay or charity-care rates. Most US hospitals are required to maintain financial assistance programs, and the effective rate for a qualifying patient can be 30–60% below the listed chargemaster price.
2
How Procedure Type Affects the Total Bill: Posterior, Anterior, Bilateral, and Revision
The surgical approach is the single largest driver of cost variation for hip replacement within the uninsured patient population. The posterior approach — in which the surgeon accesses the hip joint from the back, temporarily detaching a portion of the gluteal muscles — is the most widely performed technique in the United States and carries the most predictable cost profile. Because nearly every orthopedic department and many ambulatory surgical centers perform posterior total hip replacements routinely, the cost is more competitive and the implant options more standardized: $30,000 to $50,000 all-in for uninsured patients. The approach has decades of outcome data, a well-understood complication profile, and broad availability at community hospitals as well as academic medical centers.
The anterior (direct anterior approach) accesses the hip through the front of the leg without detaching the major gluteal muscles, which can reduce post-operative pain and dislocation risk in the early recovery period and may allow faster mobilization for suitable patients. However, the technique requires a specialized operating table that few general hospitals own, a surgeon trained specifically in the anterior approach, and longer operating room setup time — all of which add to the cost. All-in anterior approach costs run $33,000 to $55,000 uninsured, roughly 8 to 14 percent higher than a comparable posterior procedure at the same facility. Whether the recovery advantage justifies the premium is a clinical question best answered by a surgeon who performs both approaches regularly and can assess the fit for your specific anatomy.
Bilateral hip replacement — replacing both hips in a single surgical session — is occasionally recommended when both hips are severely affected and the patient's cardiovascular and pulmonary health is robust enough to tolerate the prolonged procedure. The cost does not simply double because anesthesia and the operating room are already mobilized and the surgeon's per-hour overhead is shared across both hips. Billing typically adds 60 to 90 percent of the single-hip cost for the second hip, bringing the total to $55,000 to $80,000 uninsured. The risk profile is higher than a staged approach (separate surgeries weeks apart), with longer anesthesia time and greater blood loss, so bilateral same-session surgery is generally reserved for healthier, younger patients with bilateral severe disease.
Revision hip replacement — the surgical correction of a prior hip replacement that has failed due to implant loosening, wear, infection, fracture, or malposition — is consistently the most expensive category, running $40,000 to $65,000 uninsured. The added cost reflects the complexity of removing cemented or well-fixed implants, the need for bone grafting when bone stock has been compromised, longer OR time (often four to eight hours), higher implant costs for revision-specific hardware, and an increased rate of complications that extend the hospital stay. Patients seeking revision should specifically seek surgeons who perform a high volume of revision cases, as outcome data consistently shows that revision complexity demands experience levels well above what a general orthopedic practice accumulates.
| Approach | Uninsured Range (2026) | OR Time | Key Consideration |
|---|---|---|---|
| Posterior (traditional) | $30,000–$50,000 | 1.5–2.5 hours | Widely available; established outcomes |
| Anterior (muscle-sparing) | $33,000–$55,000 | 2–3 hours | Specialized table and surgeon training needed |
| Bilateral (both hips) | $55,000–$80,000 | 3–5 hours | Higher risk; reserve for healthy, bilateral candidates |
| Revision (correction) | $40,000–$65,000 | 4–8 hours | Bone grafting and revision hardware add complexity |
Not every hospital that performs primary hip replacement has the OR equipment or surgical volume to offer anterior approach or revision surgery at the same quality level. If your case is complex, consider seeking a second opinion at a high-volume joint replacement center before choosing a facility solely on cost.
3
Insurance Out-of-Pocket Costs: Medicare, Commercial Plans, and Negotiating Self-Pay Rates
Because most hip replacements in the United States are performed on patients 65 and older, Medicare is the dominant payer for this procedure. Under traditional (Original) Medicare, a hip replacement admitted as an inpatient triggers the Part A benefit: the patient owes the inpatient deductible ($1,676 in 2026) for the first 60 days of the hospital stay and nothing more if discharged within that window. Physician services — the surgeon, anesthesiologist, and any consulting physicians — are billed separately under Part B, where the patient owes 20 percent coinsurance after the annual Part B deductible ($240 in 2026). In practice, the total Medicare cost-sharing for a typical three-night inpatient hip replacement ranges from $2,500 to $5,000 for a patient without any supplemental coverage.
Medicare Supplement (Medigap) policies can dramatically reduce or eliminate this cost-sharing. A Medigap Plan G policy — the most popular supplement for new Medicare enrollees as of 2026 — covers the Part A deductible, all Part A and Part B coinsurance, and hospital costs beyond Medicare's limits. Enrollees pay only the Plan G premium (typically $120 to $200 per month) and the Part B annual deductible ($240). This means a Medigap Plan G holder's total cost-sharing for an inpatient hip replacement is often under $500. Medicare Advantage (Part C) plans cover the same procedure but apply their own copay and coinsurance structures, prior authorization requirements, and in-network restrictions, so the out-of-pocket cost under Medicare Advantage varies more widely — from near zero on some plans to several thousand dollars on high-cost-share plans.
Commercial employer plans and individual marketplace plans use a different cost-sharing architecture built around a deductible, coinsurance rate, and out-of-pocket maximum. For a procedure costing $40,000 in contracted rates, a patient on a plan with a $3,000 deductible and 20% coinsurance would owe $3,000 (the deductible) plus 20% of the remaining $37,000 ($7,400), for a total of $10,400 — unless the plan has an out-of-pocket maximum lower than that, which most ACA-compliant plans do ($9,450 individual in 2026). In practice, most commercially insured patients' final hip replacement bill ranges from $4,000 to $12,000 depending on their specific plan terms and whether they have met any prior deductible spending for the year.
Self-pay patients who lack insurance and do not qualify for Medicaid have two main levers: hospital financial assistance programs and direct negotiation. Every US nonprofit hospital receiving Medicare or Medicaid funds is legally required to have a financial assistance (charity care) policy. Patients at or below 200 to 400 percent of the federal poverty level typically qualify for substantial discounts — sometimes covering the entire balance. Above income thresholds for charity care, hospitals often extend self-pay discounts of 30 to 60 percent below the chargemaster rate as a matter of policy, simply to improve collection likelihood. Requesting the self-pay rate before the procedure, not after receiving the bill, is critical — discounts applied retroactively are less common and require more advocacy.
| Coverage Type | Typical Out-of-Pocket | Key Action |
|---|---|---|
| Medicare (no supplement) | $2,500–$5,000 | Verify Part B coinsurance for physician billing |
| Medicare + Medigap Plan G | $240–$500 | Enroll during open enrollment to avoid medical underwriting |
| Medicare Advantage | $500–$6,000 | Confirm surgeon and facility are in-network pre-surgery |
| Commercial employer plan | $4,000–$12,000 | Check deductible remaining for the year before scheduling |
| Uninsured (charity care eligible) | $0–$10,000 | Apply for financial assistance before the procedure |
| Uninsured (self-pay, no assistance) | $30,000–$80,000 | Request self-pay rate; negotiate to Medicare rate if possible |
Before scheduling hip replacement surgery, call your insurance plan's member services line and ask for a pre-service cost estimate specific to your procedure, your surgeon's NPI, and the facility's tax ID. This is the only way to get an accurate out-of-pocket projection for your specific plan and situation.
4
Hospital vs. Ambulatory Surgical Center: How Facility Choice Moves the Number
Historically, hip replacement was performed exclusively as an inpatient procedure requiring an overnight hospital stay of three to five days. Beginning in 2020, the Centers for Medicare and Medicaid Services (CMS) removed total hip replacement from the inpatient-only list, allowing it to be performed as an outpatient procedure at accredited ambulatory surgical centers (ASCs) for Medicare patients who meet clinical criteria. This change opened a cost-reduction pathway that was previously unavailable. ASCs typically charge 30 to 50 percent less than hospital outpatient departments for the same procedure because they operate with lower overhead, fewer administrative layers, and without the twenty-four-hour emergency infrastructure that hospitals must maintain. The calculator estimates ASC costs at approximately 22 percent below hospital costs, reflecting real-world pricing differences that have been documented in Medicare claims data.
The ASC pathway is not appropriate for every hip replacement patient. Patients who are medically complex — those with significant cardiovascular disease, obesity (BMI above 40), poorly controlled diabetes, obstructive sleep apnea requiring CPAP, or prior complications from anesthesia — are generally considered better candidates for an inpatient hospital setting where overnight monitoring, cardiology consultation, and rapid emergency response are immediately available. Similarly, bilateral hip replacement, revision cases, and procedures expected to take more than three hours are typically performed in hospital settings. Patients who are otherwise healthy, under 70, and seeking a standard unilateral primary hip replacement are the best candidates for outpatient or next-day-discharge surgery at an ASC.
For commercially insured patients, the financial benefit of choosing an ASC over a hospital outpatient department can be substantial but depends on the plan's facility cost-sharing structure. Some plans apply higher coinsurance to hospital outpatient procedures than to ASC procedures, amplifying the savings. Others apply the same cost-sharing regardless of setting, in which case the insurer captures the savings and the patient sees no direct benefit. If your plan treats these settings differently, asking your surgeon whether an ASC is clinically appropriate for your case is a worthwhile financial conversation as well as a medical one.
| Facility Type | Uninsured Cost Range | Typical Stay | Best For |
|---|---|---|---|
| Hospital (inpatient) | $30,000–$80,000 | 1–5 nights | Complex, high-risk, or bilateral cases |
| Hospital outpatient dept. | $28,000–$65,000 | Same day or overnight | Moderate-risk patients near the inpatient threshold |
| Ambulatory surgical center | $23,000–$55,000 | Same day or next day | Healthy patients, standard primary hip replacement |
If your surgeon recommends an ASC and you have commercial insurance, check your plan's Summary of Benefits to see whether ASC and hospital outpatient facilities are subject to different coinsurance rates. The out-of-pocket savings can be meaningful — or nonexistent — depending on your specific plan design.
5
When to Consult a Licensed Provider
The estimates this calculator produces are starting-point planning figures, not surgical quotes, insurance approvals, or medical guidance. Hip replacement is a major orthopedic surgery with real risks — including infection, blood clots, implant dislocation, nerve injury, and implant failure — that no online cost tool can assess for your individual situation. A consultation with a board-certified orthopedic surgeon is the only way to determine whether you are a surgical candidate, which approach and implant type are appropriate for your anatomy and activity level, and what a realistic recovery timeline looks like for someone with your health history and functional goals.
When selecting a surgeon, look for board certification by the American Board of Orthopaedic Surgery (ABOS) and a practice volume of at least 50 hip replacements per year — high-volume surgeons consistently show lower complication and revision rates in published outcomes data. Confirm that the facility is accredited by the Joint Commission, AAAHC, or CMS, that your anesthesiologist or CRNA is credentialed, and that post-operative rehabilitation is coordinated through a structured physical therapy protocol rather than left to self-directed home exercise.
If you are on Medicare or have commercial insurance, request a pre-surgery cost estimate from the hospital's financial counseling office before your surgical date, not after. If you are self-pay, ask explicitly for the hospital's financial assistance policy and self-pay rate — listed chargemaster charges can be three to ten times what Medicare pays for the same procedure, and most hospitals will negotiate when asked directly and before the service is rendered.
This calculator provides cost estimates for informational purposes only — it is not medical advice. Consult a licensed, board-certified orthopedic surgeon before making any surgical decision. Your health, anatomy, and functional needs require a professional evaluation this tool cannot replace.
Related Resources
Average Cost of 4 New Tires (2026): Installed Price Guide
Read our guide
Cost of Brakes and Rotors Installed in 2026 (Parts + Labor)
Read our guide
Cost of New Brakes and Rotors With Labor in 2026
Read our guide
Physical Therapy Cost Calculator
Chiropractor Cost Calculator
Acupuncture Cost Calculator
Liposuction Cost Calculator
Explore Health Calculators
Price medical procedures, wellness services, and personal-care costs, then plan your healthcare budget with confidence.
Last Updated: Jul 24, 2026
This calculator is provided for informational and educational purposes only. Results are estimates and should not be considered professional financial, medical, legal, or other advice. Always consult a qualified professional before making important decisions. UseCalcPro is not responsible for any actions taken based on calculator results.