What Will Spine Surgery Cost Me

Spine surgery is sometimes necessary to treat spine conditions, such as herniated discs or spinal arthritis. The costs of spine surgery can be substantial, but should be covered by health insurance. In addition, numerous factors influence the spine surgery cost. 

What Affects Cost

One of the primary factors affecting spine surgery cost is whether or not the procedure is minimally invasive. Moder, cutting-edge procedures like laser spine surgery allow doctors to operate on the spine without opening up the spine, and can be performed in an outpatient setting. 

Conversely, more invasive and intensive procedures generally cost more. Serious or extensive conditions like spinal tumors or scoliosis can require lengthy surgery performed by a large team of experts, along with a hospital stay.

Smaller factors can also impact the cost of spine surgery. For example, the local cost of living impacts cost, which will be higher in places with a high cost of living and lower in places with a low cost of living. The physician can also take steps to keep his overhead costs low and pass on savings to clients.

Insurance Coverage

Insurance should cover the cost of surgery, since spine surgery is only performed when it is medically necessary. The exception is in cases where experimental procedures such as stem cell therapy are used. 

As a result, the terms of your insurance policy have the biggest experience on what you will pay out-of-pocket for surgery. If you have no deductible and low co-pays, you may pay very little for surgery. On the other hand, the cost can be substantial for people with a high deductible and/or high copays.

Financing 

If you have a high deductible and/or copay, it might not be possible for you to pay your whole spine surgery cost out of pocket. For such individuals, financing options can make it possible to get necessary treatment immediately while spreading the cost of surgery over a longer period of time.

There are a number of financing options. The best one for you depends on your preferences and financial situation. Options include: 

• Credit cards
• Health care credit cards
• Third-party financing companies
• Personal loans
• Bank loans or lines of credit

Dr. Sukdeb Datta would be happy to meet with you about whether spine surgery is right for you. To schedule your consultation today, please click below and enter your information or call the Datta Endoscopic Back Surgery and Pain Center at (212) 430-0312.