The cost of an ACL surgery without insurance can vary greatly depending on a variety of factors such as the location, type of facility, and the provider performing the procedure. Generally, a typical ACL reconstruction will range anywhere from $4,000 to $20,000. The more complex reconstructive surgeries may be even higher in price. Associated costs such as physical therapy and any necessary follow-up treatments should also be taken into consideration when budgeting for your surgery.
Contents:
Overview of ACL Surgery Costs
Undergoing an ACL surgery without insurance can be a financially daunting task, as the procedure itself is quite costly. The average cost of this type of operation in the United States starts around $4,500 for a basic reconstructive surgery but can range up to over $10,000 when additional medical equipment or treatments are necessary. In more serious cases involving severe damage or other complexities, it may be even higher.
For those who require post-operative physical therapy and rehabilitation to ensure proper healing and full recovery, there will also be extra costs associated with that process depending on whether you choose to work with an individual or group trainer as well as how many sessions are required by your doctor’s orders. Expecting patients should also consider their own travel expenses if they need to visit a specialist facility outside their geographic region for treatment purposes.
The best option for prospective ACL surgery patients without health insurance is to research nearby clinics in order to find the one offering the most competitive rate for their services. To lower overall costs and make payments more manageable some medical facilities have implemented payment plans allowing individuals to pay off their bill gradually over time; however these options can vary from provider-to-provider so contacting them directly is advised before making any major financial decisions concerning your care and treatment needs.
Average Military Hospital Financed Cost for ACL Surgery
When faced with a serious knee injury that requires ACL surgery, many of those injured may turn to the U.S. Military for the procedure if they don’t have insurance or any other health coverage. The average cost for such an operation at a military hospital is approximately $17,000 – $18,000 dollars, including both pre and post-surgical care. This price range is substantially lower than what most civilian hospitals charge in the United States and can provide significant financial relief to those seeking treatment who don’t have health insurance plans.
Depending on individual circumstances, costs could be even lower because some military hospitals offer discounts or even waive fees due to extenuating factors such as low incomes or existing handicaps – something few private sector institutions are willing to do. Many individuals see their surgery carried out by highly trained staff in cutting edge facilities with state-of-the art technology, since military hospitals tend to stay well ahead of civilian services when it comes to upgrading equipment and hiring experienced professionals within their respective fields.
Often times these same medical providers give patients access to physical therapists that specialize in rehabilitation following an ACL tear which helps expedite recovery rates significantly quicker than if no specialized help were given – another aspect some find especially attractive about undergoing this type of surgery at a U.S. Military facility compared to nonmilitary options available elsewhere.
Private Hospital and Clinic Cost for ACL Surgery without Insurance
When looking for an ACL surgery, those who do not have insurance might want to explore the options at private hospitals and clinics. These often come with the most expensive price tag of any facility offering this type of procedure, but they also offer a number of advantages. For example, many private institutions allow patients to pay in installments or accept payment plans that can be adjusted as needed. This is particularly beneficial for individuals without health insurance because it eliminates having to come up with the entire amount due upfront.
Private hospitals and clinics are also much less crowded than other facilities. As a result, wait times for appointments may be shorter when compared to public medical centers. These establishments typically employ more experienced surgeons who specialize in ACL procedures which can improve overall patient outcomes when compared to some general practitioners operating out of busy public offices or multi-service facilities.
While cost is likely one’s main concern in considering whether or not to use a private institution, there may still be ways that prices could work into even those on tight budgets since some organizations are willing to negotiate the costs of services on an individual basis depending upon factors such as income levels or existing debts owed. Taking advantage of special payment plans offered through certain institutions might make it possible for even cash-strapped patients facing an ACL surgery without insurance coverage to get access to top quality care they would otherwise have difficulty affording if paying out-of-pocket.
Payment Options Available Outside of Insurance
For those individuals who do not have insurance to cover the cost of an ACL surgery, there are still a few payment options available. Depending on your budget and financial capabilities, you can look into different sources that may help you pay for this expensive procedure.
One popular option is to use medical financing companies like CareCredit or Compassionate Finance. These companies specialize in providing loans specifically to patients needing medical care. They offer various loan lengths with no payments necessary for up to 24 months, allowing ample time to repay the amount without any undue stress on finances. Many healthcare providers accept these financing plans directly so that patients can easily be approved in-office and have their fees taken care of right away.
Another method for paying for your ACL surgery out-of-pocket is looking into personal banking loans from local credit unions and banks. Although interest rates may vary from one bank or credit union to another, most will provide better rates than what might be offered by a medical finance company due to its relationship with them as a customer. The rates could range anywhere between 6% – 10%. In such cases it’s important to compare various lenders before making a decision.
Savings Tips when Paying Out-of-Pocket for ACL Surgery
When considering the out-of-pocket costs of an ACL surgery, it is important to plan ahead and budget for possible medical expenses. One way to manage expenses is by researching various providers who specialize in ACL surgeries as well as their respective pricing structures. Patients may be able to save money by selecting a provider whose fees are lower than others in the region. Seeking out any discounts or other payment options offered by the clinic can be helpful.
Another approach is to research the cost of second opinions from different orthopedic specialists. Some surgeons may offer “package deals” which would include follow up visits and aftercare support at a reduced rate; these could represent significant savings if available for someone paying for acl surgery out of pocket. Considering alternative options such as physical therapy or non-surgical solutions should also be considered when deciding on potential methods of treatment.
Individuals without insurance can look into joining health care sharing ministries which enable members to use collective funds towards medical expenses like an ACL repair procedure and associated costs such as doctor appointments and aftercare programs. Membership requirements may vary so it’s important that participants research each ministry closely prior to committing to them financially. With enough planning and financial strategy, people having to pay out of pocket for this type of operation can find ways maximize their savings while minimizing spending whenever possible.
Financial Assistance Resources
When it comes to affording expensive medical care, many people find themselves in the difficult position of having to pay for life-saving treatments that are financially out of reach. An ACL surgery is no exception; with a hefty price tag, individuals may be intimidated or overwhelmed at the thought of navigating financial resources when they do not have health insurance coverage. Thankfully there are plenty of avenues and organizations that can help support those who need it most.
One option is applying for grants and other forms of aid from charitable foundations such as United Way, The Robin Hood Foundation, and local community outreach groups. Most government agencies also provide financial assistance to those in dire straits; many even offer grants specifically designed for medical needs. Individuals should check with their county Department of Social Services for more specific advice about what forms of financial relief are available within their area.
Another alternative is an IRS tax deduction – especially helpful if you meet certain criteria set by the Internal Revenue Service (IRS). If deemed eligible, this deduction will allow individuals to deduct a portion – or even all – of the surgery costs from their taxable income while filing taxes each year. Individuals should always consult a certified accountant before taking advantage of any tax benefits so as not to put themselves in further jeopardy with regard to liability.
