Treatment Cost Calculator
Understand what you might pay out-of-pocket for joint pain treatments. Select your treatment type and insurance to get an estimate before your appointment.
Treatment Cost Calculator
Estimate your out-of-pocket costs for joint pain treatments
Medicare Does Not Cover This Treatment
This treatment is typically not covered by Medicare. You would pay the full cost out-of-pocket.
Estimated Out-of-Pocket Cost
Visits Required
Medicare Covered
Select Your Options
Choose a treatment and insurance type above to see your estimated out-of-pocket cost.
Note: These are estimates only. Actual costs vary by provider, location, and specific insurance plan. Always verify with your provider and insurance company before treatment.
Understanding Treatment Costs
What Medicare Typically Covers
- Hyaluronic Acid Injections: Covered under Part B for knee OA when medically necessary. You pay 20% coinsurance after deductible.
- Cortisone Injections: Covered under Part B. Usually among the least expensive options with insurance.
- Physical Therapy: Covered under Part B with no cap on spending since 2018 (though may require documentation).
- PRP Injections: Not covered by Medicare. Typically an out-of-pocket expense.
Factors That Affect Your Cost
Provider-Related
- • In-network vs. out-of-network status
- • Hospital-based vs. office-based facility
- • Geographic location
- • Whether imaging guidance is used
Insurance-Related
- • Your deductible and where you are in meeting it
- • Coinsurance percentage
- • Prior authorization requirements
- • Specific plan coverage rules
Always Verify Before Treatment
This calculator provides estimates only. Actual costs can vary significantly. Before any treatment:
- • Call your insurance to verify coverage
- • Ask your provider for a cost estimate
- • Confirm whether prior authorization is required
- • Request an itemized breakdown of expected charges
Tips to Reduce Your Costs
Choose In-Network Providers
In-network providers have negotiated rates with your insurance, often resulting in significantly lower out-of-pocket costs.
Time Your Treatment
If you've already met your deductible for the year, you'll only pay coinsurance. Consider timing elective treatments accordingly.
Consider Office-Based Procedures
Procedures done in a doctor's office typically cost less than those in hospital-based facilities due to lower facility fees.
Ask About Payment Plans
Many providers offer interest-free payment plans. If cost is a concern, ask before your procedure about payment options.
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