I am thinking of getting one foot done. What is the average cost w/out insurance? Someone told me it cost $13,000. I am trying to figure out how much to sock away in my FSA next year. I have been recommended to get the surgery where they break the toe and re-align it..
This is going to vary greatly depending on where you are in the country and what hospital you use. You really need to ask your doctor. You also must remember that you will have to pay your surgeon, the hospital, the anesthesiologist and maybe a radiologist and pathologist. The hospital fee for having a neuroma removed from my ankle was over $14,000. And that was relatively minor surgery. That didn't include my surgeon's fee, the anesthesiologist or the pathologist that analyzed the neuroma.
My surgical center's cost was 22,000.
However, I had an external fixation device that was about 9,000 of that total.
One surgery ran almost four hours. I had severe bunions with toe two and toe three included.
The POD's charge was really, really minor for the surgery. He charged about 4500 and received only 1500 from insurance (I found that shocking).
I imagine if an orthopedic person does your surgery they will be paid more than a POD!
The cost of the surgical center will be the largest cost and the other's will appear to be minor in comparison (even the anesthesiologist).
There are follow up visits at the doctor's office with x-rays maybe times two post surgical.
I think mine was about $12-$13K. The hospital portion alone was $10,000. That's the part that will really vary because it depends on what your local hospital charges. I paid just over $1,000 out of pocket with insurance.
You'll have to call United Healthcare and ask about your individual plan. Even those people who also use the same insurance cannot answer becuase it depends on the coverage your employer has opted for. No one can accurately say (or even estimate) without having access to our specific coverage. They only way to truly know is for you to call the 800 number that is likely on the back of your insurance card.
Ask your doctor to send in a preauthorization to your insurance. Some insurance companies even require it especially on elective procedures. It will have the right codes on it. Unfortunately, that will only be the surgeons portion. Find out what surgery center/hospital they will use and then call over and find out what codes they would bill. Having the codes when you call the insurance company is the best thing when possible because they can look them up. Remember this is only an estimate and things can change very quickly.