Cost & access

How much does a hip or knee replacement cost?

The sticker price and what you'll actually pay are wildly different numbers. Here's the honest breakdown — component by component — plus the levers that genuinely lower the bill.

X-ray of the lower body showing a total hip replacement on one side and total knee replacements in both knees.
What the money actually buys: hip and knee implants, precisely placed.

How much does a hip or knee replacement cost? The short answer

In the United States, hospital-based hip or knee replacement carries a list price that averages around $40,000 and can reach $100,000 depending on facility, implant, and length of stay. In Hawai‘i specifically, total knee replacement averages around $40,740 versus a national average near $32,570 — paradise carries a premium (see the Honolulu-specific breakdown).

But list price is not your price. What you pay depends entirely on the path: insured, Medicare, or self-pay — and Dr. Paul Morton's office in Honolulu verifies your benefits and gives you a written estimate before anything is scheduled.

  • List price is the sticker, not your bill — insurers, Medicare, and self-pay packages all set numbers below it
  • With insurance, your exposure is deductible plus co-insurance up to your out-of-pocket maximum
  • Whether you stay overnight is the biggest lever: same-day outpatient surgery costs less than an inpatient hospital stay for the same operation
  • Self-pay packages bundle surgeon, facility, anesthesia, implant, and a year of follow-ups into one written price
  • Robotic assistance doesn't change coverage or add a patient fee at this practice

The numbers at a glance

Line itemTypical figureNotes
Total knee — Hawai‘i hospital list price~$40,740Above the ~$32,570 national average
Hip or knee — US hospital list price~$40,000 average, up to $100,000Facility, implant, and length of stay drive the spread
Surgeon's fee$3,000–$15,000Covers the operation and the global follow-up period
Anesthesia$1,000–$2,500
Implant$4,000–$7,000Depends on design and materials
Facility feeThe biggest variableHospital operating rooms and inpatient beds dwarf surgery-center costs
Physical therapy$50–$350 per sessionOver several weeks to months
Outpatient surgery center (Medicare)About 30% less than hospitalSame surgery in a leaner setting
Bundled self-pay packageRoughly half of hospital pricingSurgeon, facility, anesthesia, implant, and a year of follow-ups

About these figures: the market numbers above are published hospital list-price averages and typical ranges, not this practice's prices. They change every year and vary by facility, implant, and length of stay, so treat them as orientation. Medicare's public Procedure Price Lookup tool (medicare.gov) shows the surgery-center versus hospital-outpatient difference for a specific procedure; your own number comes from a written estimate after benefits verification.

Where the money goes

A joint replacement bill has five main components:

  • Surgeon's fee: roughly $3,000–$15,000 — covering the operation and global follow-up period
  • Anesthesia: roughly $1,000–$2,500
  • Implant: roughly $4,000–$7,000 depending on design and materials
  • Facility fee: the biggest variable — hospital operating rooms and inpatient beds dwarf outpatient surgery-center costs
  • Physical therapy: $50–$350 per session over several weeks to months

What you actually pay with insurance

With commercial insurance, your exposure is your deductible plus co-insurance up to your plan's out-of-pocket maximum — for many patients, a few thousand dollars for the entire episode, sometimes less late in a plan year when deductibles are already met. Medicare covers joint replacement as a standard benefit; supplemental plans often shrink the remainder to very little (Medicare specifics here). The practice verifies your benefits and gives you an estimate before surgery — surprises are a billing failure, not a fact of life.

Doctor reviewing joint replacement paperwork with a patient during an office consultation.
A coverage review before surgery clarifies what you'll actually owe.

Insured vs. Medicare vs. self-pay: who pays what

Three paths, three very different bills for the identical operation. Which one fits you?

  • Commercial insurance (HMSA, UHA, HMAA, United, Aetna, Cigna and others): you pay your deductible and co-insurance up to the plan's out-of-pocket maximum; the office handles prior authorization and verifies benefits first — see plans accepted
  • Original Medicare: outpatient joint replacement falls under Part B — after the deductible, Medicare pays 80% of its approved amount and you owe 20%; a Medigap supplement often shrinks that to very little
  • Medicare Advantage: copays per procedure or stay, a network, often prior authorization, and an annual out-of-pocket maximum; HMO-style plans usually need a PCP referral
  • VA Community Care and TRICARE: a referral or authorization from your VA provider or plan, coordinated by the office — see VA knee replacement
  • Self-pay, high-deductible, or international: one written all-inclusive package price; the office will run the package against your insurance route so you can compare

The outpatient lever: same surgery, smaller bill

The single biggest cost lever is whether you stay overnight. Same-day outpatient surgery runs leaner than an inpatient hospital stay — no hospital bed, no overnight nursing, a shorter facility stay — and for self-pay patients the difference is dramatic: Dr. Morton's bundled packages (surgeon + facility + anesthesia + implant + a year of follow-ups) run roughly half of hospital list pricing. Modern rapid-recovery protocols are what make same-day discharge safe for qualified patients — the savings are a byproduct of better surgery, not a discount version of it.

Questions worth asking any surgeon about cost

Wherever you have surgery, ask these:

  • Can I get a written estimate of my total out-of-pocket cost?
  • Is same-day outpatient surgery an option for my case?
  • Is there a bundled self-pay price, and what exactly does it include?
  • How many PT sessions should I budget for?
  • What costs could arise that aren't in this estimate?

The cost of waiting

One number rarely makes the spreadsheet: what delay costs. Years of injections, braces, imaging, and lost activity add up — and joints don't get cheaper to fix as they deteriorate; the quad weakens and deformity progresses, which makes eventual surgery and recovery harder. If pain is already limiting your life despite conservative care, a consultation prices out your actual options — a robotic hip replacement or knee replacement, a partial knee, or another year on the non-surgical ladder — with real numbers instead of internet averages.

How to get a real estimate

What the office needs to produce a real estimate: your insurance card and plan type (or a note that you're self-pay), any prior X-rays or MRI, and your therapy and injection history. The team verifies benefits, confirms whether same-day outpatient surgery is an option for your case, and gives you a written estimate before anything is scheduled. Call (808) 439-6201 or book online — clinics in Honolulu (Ala Moana), West O‘ahu (Kunia), Hilo and Kona, and most new patients are seen within one to two weeks. Managed-care and Medicaid/Quest plans need a referral from your primary care physician, which the office helps arrange; neighbor island patients can start by telehealth when an in-person visit isn't practical.

  1. Step 1

    Verify benefits

    Insurance card and plan type in hand, the office checks coverage, referral rules, and prior authorization.

  2. Step 2

    Exam + standing X-rays

    Candidacy for surgery — and for same-day discharge — is settled in one visit.

  3. Step 3

    Written estimate

    Your expected out-of-pocket cost, or a self-pay package price, in writing before anything is scheduled.

  4. Step 4

    Surgery where it serves you best

    Robotic replacement at The Queen's Medical Center, Adventist Health Castle, or Hilo Community Surgery Center — same-day when you qualify, an overnight stay when your health calls for it.

Medically reviewed by Paul Norio Morton, MD, FAAOS, FAAHKS. Last reviewed: . This article is for education only and isn’t a substitute for an exam and personalized advice — schedule a consultation to discuss your situation.

Frequently asked questions

How much does a knee replacement cost in Hawai‘i?
Hospital list prices in Hawai‘i average around $40,740 for total knee replacement — above the ~$32,570 national average. Insured patients typically pay only their deductible and co-insurance; self-pay outpatient packages run substantially below list prices, quoted in writing. Bring your plan details to a consultation and the office verifies your benefits and gives you a written estimate before anything is scheduled.
Does insurance cover robotic joint replacement?
Yes — robotic assistance doesn't change coverage or add a patient fee at this practice. It's how the surgery is performed, not an upgrade package. Coverage follows your plan's normal surgical benefits — deductible, co-insurance, and prior authorization, which the office handles — and Medicare covers medically necessary joint replacement whether or not a robot is used.
What's the cheapest safe way to get a joint replacement?
For qualified patients, same-day outpatient surgery — either through insurance or as a bundled self-pay package roughly half of hospital list pricing. 'Cheap' should never mean cutting the surgeon, implant, or follow-up; it means cutting the overhead. Candidacy for the outpatient setting depends on your overall health rather than your age and is assessed individually; the office tells you which setting is right for you before quoting a number.
Are there hidden costs I should plan for?
Budget for physical therapy ($50–$350/session), any pre-operative clearance testing, and — for traveling patients — lodging and flights. A good estimate names these explicitly rather than letting them surprise you. The office's written estimate names what's included and what's quoted separately, and self-pay packages list both sides in writing before you commit.
Does Medicare cover hip and knee replacement?
Yes — Medicare covers hip and knee replacement when it's medically necessary, typically arthritis that persists despite injections, therapy, and other conservative care documented by your surgeon. Most replacements today are outpatient, so Part B applies: after the deductible, Medicare pays 80% of its approved amount and you owe 20%. A Medigap supplement often covers most of that share.
Is a self-pay package cheaper than using my insurance?
Sometimes. For patients with a high deductible early in the plan year, a bundled outpatient package can beat their out-of-pocket exposure; for others, insurance wins clearly. The office runs both calculations honestly before you choose — bring your plan details and you'll see the two numbers side by side, in writing.
How do I get a written estimate for my surgery?
Bring your insurance card and plan type — or say you're self-pay — plus any prior imaging and your therapy and injection history to a consultation, in person at the Honolulu, Kunia, Hilo or Kona clinic or by telehealth when travel isn't practical. The office verifies your benefits, confirms whether same-day outpatient surgery is an option, and puts your expected costs in writing before anything is scheduled. Call (808) 439-6201 to start.

Get real numbers for your joint — not internet averages

Consultations in Honolulu, West Oahu, Hilo and Kona — most new patients are seen within one to two weeks — with telehealth when an in-person visit isn’t practical.

Paul Norio Morton, MD, FAAOS, FAAHKS · Hawai‘i’s first robotic hip & smart knee · Read patient reviews →

Most major plans accepted — we verify benefits before your visit. Traveling from off-island? See the fly-in patient program →

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