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Medicare Cost Calculator
Knee Replacement · 2026 Rates
Medicare.gov

Know Before You Go

What Will Your Surgery Cost with Medicare?

Knee replacement, hip replacement, cataract surgery — Medicare patients receive multiple bills from different providers. This calculator breaks down every charge so there are no surprises.

2026 Medicare Rates
Based on CMS Official Data
Free · No Sign-Up
Surgery Type:
Beta

Currently supports Knee Replacement (CPT 27447) with full CMS 2026 data. Hip replacement and cataract surgery calculators are coming soon.

Total Knee Replacement (TKA) — Cost Estimate

Total Knee Arthroplasty (CPT 27447) — the most common Medicare surgery. Answer a few questions to get your personalized cost estimate.

Medicare surgeon fees are adjusted for local cost of living (GPCI). Selecting your location ensures the surgeon fee in your estimate reflects your area's actual rate.

Surgeon fee for BAKERSFIELD

$1,156.10

Medicare approved · CPT 27447 · You pay: ~$458 (incl. $283 deductible)

95%+ confidence

GPCI-adjusted

Conservative Estimate Range

–

midpoint: $2,688.076 · updates live

With Supplemental Insurance

Medigap Plan G$283
Medigap Plan N$383

vs. National Average (Inpatient Hospital)

National avg:$1,736
▲ $952 above average (deductible timing)

National average assumes Part B deductible not yet met.

Cost Breakdown

Hospital Stay (Inpatient)$1,736
Surgeon Fee (BAKERSFIELD)$458
Anesthesiologist Fee (90 min · BAKERSFIELD)$53
Pre-Op Medical Clearance$45
Pre-Op Lab Tests$35
Radiology Reading Fee (estimate)$24
Hospital Lab Tests (estimate)$17
Outpatient Physical Therapy$300
Durable Medical Equipment$20
Estimate Range$2,590 – $2,815

This estimate assumes:

✓ Uncomplicated case✓ Excludes implant cost✓ Original Medicare only✓ Standard protocol

Implant/prosthetic costs are bundled into the facility fee under DRG 470 (inpatient) and not billed separately to patients.

About This Tool

Built for Patients, Not Billing Departments

This calculator was developed by a healthcare financial professional with over 10 years of experience in Medicare billing, medical cost analysis, and patient advocacy. The goal is simple: give patients the same information that hospital billing departments already have, before the procedure.

All calculations use official CMS data files — the same files used by Medicare contractors to process claims. No estimates, no guesswork. Every number shown has a verifiable source.

CMS Data Verified2026 RatesNo Sign-Up RequiredFree Tool

Data Sources

Official CMS 2026 Publications

PPRRVU2026_Jan_QPP

Physician Fee Schedule RVU values for CPT 27447 (surgeon fee)

GPCI2026

Geographic Practice Cost Indices for all localities

ANES2026 (updated 12/29/2025)

Locality-adjusted anesthesia conversion factors — CPT 01402 base units, national non-QPM CF $20.50 (range $19.42–$23.37 by locality)

CY2026 OPPS/ASC Final Rule

Facility fees: HOPD $13,116 · ASC $9,393 for CPT 27447

Medicare 2026 Benefit Parameters

Part A deductible $1,736 · Part B deductible $283 · SNF $217/day

Important Disclaimer

This tool provides estimates based on publicly available Medicare data. Actual costs may vary by provider, location, and individual clinical circumstances. Patients with Medicare Advantage (Part C) plans will have entirely different cost-sharing structures — consult your plan's Evidence of Coverage document. This tool is not a substitute for professional medical or financial advice.