You’re not alone. Hip replacements are one of the most common procedures for seniors—and also one of the priciest. The good news? Medicare does help foot the bill. But the fine print? It matters more than ever.

🏥 The True Cost of Hip Surgery in 2025

Depending on where you live, the average total cost for a hip replacement ranges between $30,000 and $45,000. This includes the hospital stay, surgeon fees, anesthesia, imaging, post-op care, and rehab.

Under Original Medicare, here’s how that typically breaks down:

Part A covers the hospital stay after you meet the deductible (which is projected to be around $1,700 in 2025).

Part B covers doctor services and outpatient care (after meeting your deductible, estimated at $240, and paying 20% coinsurance).

Part D covers post-op medications, if prescribed.

But that 20% coinsurance under Part B? For a $10,000 orthopedic surgeon’s fee, you’re looking at $2,000 out-of-pocket—and that’s before rehab and medications are factored in.

🤕 What Medicare Doesn’t Tell You

Here’s where people get caught off guard: Medicare doesn’t cover everything.

Rehabilitation centers? Only partially.

At-home nursing care? Depends on doctor recommendations and coverage rules.

Mobility equipment like walkers or special chairs? Only if deemed “medically necessary.”

Even more surprising? Geography matters. The same surgery in Texas may cost significantly less out-of-pocket than in New York due to local billing codes and hospital pricing structures.

🧩 What Can You Do?

Many seniors are turning to Medicare Advantage plans or Medigap to bridge the gap. These plans can reduce your financial risk by capping out-of-pocket costs or covering rehab and home care more extensively.

But not all plans are created equal. Some include rehab centers, physical therapy, and even transportation to follow-up appointments. Others don’t. Timing is also crucial—enrollment windows are limited, and if you miss them, you could be locked out for the year.