Everything you need to understand your Medicare surgery costs — from pre-surgery questions to bill auditing.
Get a detailed line-by-line estimate: surgeon fee, facility fee, anesthesia, and your out-of-pocket share — adjusted for your location and insurance.
Editor's observations on healthcare policy, AI, billing, and the patient experience — written from the front lines of the industry.
9 essential questions to ask your surgeon, hospital, and insurance before scheduling. Protect yourself from surprise bills.
What bills to expect, how to read your Medicare Summary Notice, and how to spot common billing errors.
Prescription drugs, follow-up visits, and what Medicare covers after you leave the hospital.
Physical therapy, home health, skilled nursing facility — what Medicare covers and what you'll pay out of pocket.
A step-by-step checklist to verify your hospital bill for errors. Studies estimate 30–80% of hospital bills contain mistakes.
Look up any CPT code from your hospital bill, see the Medicare-approved amount, and learn how to spot upcoding, unbundling, and duplicate charges.
Enter your surgery and monthly premium — see honestly whether Medigap saves you money, breaks even, or costs more than going without.
What Medigap does NOT cover — dental, vision, hearing aids, long-term care, and 50+ other items. Know your out-of-pocket exposure before you need care.
How the calculator works: RVU formulas, GPCI adjustments, DRG payments, and all data sources cited.
Look up the exact Medicare-approved physician fee for any surgery by state and locality, using the official 2026 GPCI-adjusted RVU formula.