How much does shoulder surgery cost in 2021? | finder.com

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How much does shoulder surgery cost?

Compare payment options and costs for shoulder surgery

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If you're a candidate for shoulder surgery, costs vary significantly based on your insurance, where you live and the hospital or doctor you choose. Each procedure is assigned standardized, 5-digit CPT codes that hospitals and insurance companies use for billing purposes. Use the CPT code to compare prices for shoulder surgery before scheduling your appointment.

Average cost for shoulder surgery

If you have health insurance and use an in-network doctor, you can expect to pay $8,003 for shoulder surgery on average. If you don't have insurance or you choose an out-of-network doctor, the cost increases to $19,918.

Average costs are based on the primary cost of shoulder surgery in the 90201 ZIP code and don't factor in insurance costs like copays or deductibles, or additional fees often charged by doctors or hospitals — like medical supplies, facility fees and support services.

CPT code Procedure ZIP used Description In network total costs Out of network total costs
29826 Shoulder surgery 90201 Shaving of shoulder bone using an endoscope $8,003 $19,918

Related costs for shoulder surgery

CPT code Primary procedure Description In network cost Out of network cost
29826 Hospital (outpatient) Hospital outpatient facility (HOSPF) estimate for procedure code 29826 (in addition to your doctor's fee) $4,088 $77,863
Total primary & related costs $4,088 $77,863

Does health insurance cover shoulder surgery?

Most health insurance policies cover shoulder surgery if it's medically necessary and you've met your deductible and any coinsurance or copays specified in your policy. If you don't have health insurance, you may need to pay the full cost of shoulder surgery out of pocket. The exact amount your insurance pays for shoulder surgery comes down to your plan and the doctor or healthcare facility you're going to. For the most accurate idea of how much you'll pay out of pocket, contact your insurance company before booking shoulder surgery.

Does Medicare cover shoulder surgery?

It depends on your Medicare plan, but generally Medicare covers procedures like shoulder surgery that are considered medically necessary by your doctor.

  • Medicare Part A (Hospital Insurance) covers inpatient care in a hospital or skilled nursing facility following a hospital stay, so it typically won't cover shoulder surgery.
  • Medicare Part B (Medical Insurance) pays for emergency, urgent and outpatient care and some preventative services, which means Medicare likely covers shoulder surgery — but you'll be charged a 20% coinsurance.
  • Medicare Part C (Medicare Advantage) is a comprehensive plan that combines Part A, Part B and often Part D and should pay for a portion of shoulder surgery minus any deductible, copay or coinsurance.
  • Medicare Part D (Prescription Drugs) won't cover shoulder surgery, but it may help to pay for any medication you need as part of your recovery.

What affects the cost of shoulder surgery?

The price you'll pay for shoulder surgery varies based on factors like:

  • Your health insurance plan. Your coinsurance, copay and how much of your deductible you've met affects the amount you pay for shoulder surgery out of pocket, does as whether your doctor or anyone else involved is outside your network.
  • Your location. Where you live dictates which doctors or healthcare facilities you have access to for shoulder surgery. Urban areas are more competitive, which can drive down costs for shoulder surgery compared to rural areas.
  • Your doctor. Your doctor's experience and expertise affects how much they charge for shoulder surgery. And the cost may increase if complications arise during shoulder surgery and your doctor has to call in other medical professionals.
  • Additional fees. Your healthcare provider may charge associated fees that increase the overall cost of shoulder surgery.

How to cut your costs for shoulder surgery

In the leadup to shoulder surgery, confirm your copay, coinsurance and deductible with your insurer so you know how much you'll pay out of pocket.

  • Dip into your HSA, FSA or HRA. These tax-advantaged accounts can help you to cover out-of-pocket costs for shoulder surgery.
  • Ask about financial aid. If you can't afford to pay the average cost of $8,003 with or without insurance, most hospitals and clinics offer financial aid programs that include discounts or interest-free payment plans.
  • Explore outpatient centers. Outpatient facilities tend to charge less for medical procedures like shoulder surgery, though they're not an option for everyone.
  • Consider medical loans. A medical loan could help pay for anything your health insurance doesn't cover for shoulder surgery, like copays or coinsurance.
  • Compare doctors and hospitals. Lower the price of medical services by comparing in-network hospitals before you schedule shoulder surgery. The Centers for Medicare and Medicaid Services require hospitals and clinics to publish online price lists for common procedures, which may include costs for shoulder surgery.

Bottom line

The price of shoulder surgery is a major consideration for treatment whether you have health insurance or not. The amount you'll pay for shoulder surgery can vary between doctors, hospitals, locations and insurance plans, which is why it's worth comparing hospital prices.

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