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Total Knee Replacement Cost Without Insurance

Are you considering a Total Knee Replacement without insurance? Your primary concerns may be – how much the procedure will cost and what you may have to pay out-of-pocket. This article looks at how private surgery helps cash payers afford total knee replacement cost without insurance.

When do you Need Self-funded Knee Replacement? | Knee Replacement Without Insurance

When do you Need Self-funded Knee Replacement?

Cost of Knee Replacement Without Insurance

Many knee surgery patients suffer through the pain due to the high cost of treatment. Wondering how much does a private knee replacement surgery costs without insurance in the USA? The cost table below can help.

Total Knee Replacement Cost Without Insurance 2021 (USD)

Procedure USA
Total Knee Replacement $19,995
Partial Knee Replacement $18,995
*Prices may vary with the complexity of a case.

Less Expensive Total Knee Replacements Even Without Insurance

Our all-inclusive package* cost of knee replacement surgery in the USA is $19,995, whereas the average cost without insurance in the US is $35,000 or more.[1]CostHelper How much does knee replacement cost? “For patients without health insurance, a total knee replacement can cost $35,000 or more.” View in Article

So, no worries even if you don’t have insurance. You can get your knee surgery in the USA, paying 43% less than the average US cost.

The USA knee surgery package for the self-funded includes the surgeon’s fee, laboratory charges, pre-operative stage, and follow-up care & excludes airfare.
*Offered only at the New Albany facility in Ohio, USA.

Knee Replacement Cost in Different Countries

The graph compares the knee replacement price of the USA with that of Singapore, Thailand, Mexico, and India.

TKR Cost | Different Countries Source: Web Data

The knee replacement cost is less in countries like India, Mexico, or Thailand. However, you may need to spend several thousand dollars on flight tickets, hotels, and related expenses to undergo knee replacement surgery overseas.

Our package prices are much less than the average cost for knee replacement across the USA. Therefore, you no longer need to travel great distances for uninsured knee surgery.

What Do You Need to Know About the Cost of Knee Replacement?

The knee replacement procedure is one of the fastest-growing medical treatments in the U.S.[2] Blue Cross Blue Shield Association Blue Cross Blue Shield Association Study Reveals Extreme Cost Variations for Knee and Hip Replacement Surgeries “The cost of knee and hip replacement surgeries—among the fastest growing medical treatments in the U.S.—varies widely in markets across the country,” View in Article

The United States is known for its wide variation in healthcare costs. A study of cost variations for knee replacement surgeries reveals:[3] Blue Cross Blue Shield Association Blue Cross Blue Shield Association Study Reveals Extreme Cost Variations for Knee and Hip Replacement Surgeries “…the average typical cost (without complications, see footnote) for a total knee replacement procedure was $31,124 in 64 markets…which had the greatest variance within a market, with costs as low as $17,910 (313 percent cost variation).” View in Article

  • The average cost for a TKR procedure was $31,124 in 64 markets.
  • The price varies as much as 313 %, depending on the hospital.
    As always, it is best to do your research on costs before paying for the treatment.

What Contributes to the Average Cost for Knee Replacement Surgery Without Insurance?

The cost of a TKR can vary widely. It depends on where you live, which clinic you choose, and your overall health. Many factors can contribute to the total cost of knee replacement surgery.[4]Healthline Understanding Knee Replacement Costs: What’s on the Bill? “The bill for a total knee replacement has both pre- and postsurgery cost, as well as the price of the surgery itself, with charges including: presurgery doctor visits and lab work…the surgery and the time …your hospital stay…postsurgery doctor visits…physical therapy” View in Article These include:

Factors Affecting TKR Cost
Factors affecting Total Knee Replacement surgery cost

It is challenging to predict the TKR surgery’s cost before treatment begins with several factors involved. Therefore, you should talk to your surgeon to determine the expected costs of surgery and aftercare beforehand.

How to Pay for Cost of Knee Replacement Without Insurance?

When you don’t have insurance, you will need to take a proactive approach to ​deal with your medical bills. Even if you have insurance, you may need to look at cash payment options since most health plans do not pay the entire cost.

Medical financial hardship is common in the USA. The highest prevalence and greatest intensity of medical financial hardship are among the uninsured.[6]Springer Link Prevalence and Correlates of Medical Financial Hardship in the USA “Medical financial hardship is common in the USA, … The highest prevalence and greatest intensity of medical financial hardship are among the uninsured.” View in Article

Planning for Total Knee Replacement Cost Without Insurance

You can plan your cost of private knee replacement surgery with these 4 steps:

  • Budget for the costs by shopping for the TKR surgery. Identify the cheapest options and the one that best suits your individual needs.
  • Find out exactly what your out-of-pocket cost will be. Get help from your hospital’s billing department to learn more about payment programs.
  • Identify how you will pay the hospital bill – pay from your savings, borrow from an outside source, or take a personal loan.
  • Once you receive your bill, move quickly to get your payment plan in place.

Payment can be made by:

  • Credit or debit cards
  • Wire transfer, bank transfer
  • PayPal

How to Avoid Surprise “Total Knee Replacement Surgery” Bills?

  • Different hospitals have different billing policies. Research these policies in advance.
  • Find out how much to pay upfront and the options to pay off the balance.
  • You may also need to plan for emergencies, like complications, significantly raising your treatment cost.

Affordable Self-Pay Hospital for Knee Replacement in the USA

You can find our cash pay surgical centers for knee replacement in 2 locations – New Albany (Outpatient) & Athens, Ohio, USA. Our partner hospital is the only practice in Ohio with two prestigious Knee Society members, which honors the top 100 knee surgeons globally.


  • Nearly 50 years of orthopedic experience
  • One of the world’s leading outpatient joint replacement surgery center
  • World-renowned experts in knee replacement surgery
  • Performed over 70,000 orthopedic procedures
  • Annually perform 5000 surgeries & 1700 outpatient joint replacements
  • National and local awards for excellence in patient care


  • State-of-the-art facility
  • Outpatient and inpatient knee replacement procedures are available
  • Latest technologies like Robotic Surgical Assistants, etc.
  • Low complications with pre-admission testing & medical management
  • TKR infection rate is below the national average (1.8%)[7]Healthline Risks and Complications of Total Knee Replacement Surgery “Infections are rare after knee replacement surgery, but they can occur. According to Healthline’s analysis of Medicare and private pay claims data, 1.8 percent reported an infection within 90 days of surgery.” View in Article

Patient-specific Approach 

  • Reduced hospital stays with the minimally invasive, muscle-sparing techniques.
  • Fast recovery with regional anesthesia and blood management techniques.
  • Pain management with the use of nerve blocks, steroids, oral pain medications, etc.

Knee Replacement Surgeons | USA

Orthopedic Surgeon USA | Patient Examination

Best Knee Replacement Surgeon in USA

Dr. Adolph V. Lombardi Jr.

Dr. Adolph V. Lombardi Jr. | Knee Replacement Surgeon, USA
Board Certified Orthopedic Surgeon

Experience: Over 40 years


  • Minimally invasive total knee and total hip arthroplasty
  • Minimally-invasive partial knee replacement
  • Complex revision of failed hip & knee implants
  • Rapid rehabilitation protocols for faster recovery after surgery

Dr. David Crawford

Dr. David Crawford | Knee Replacement Surgeon, USA
Board Certified Orthopedic Surgeon

Experience: Over 14 years


  • Minimally invasive and outpatient joint replacement
  • Partial knee replacement
  • Revision hip and knee replacement
  • Hip preservation surgery
  • Non-operative arthritis treatments including PRP and stem cells

Dr.Jason Hurst

Dr.Jason Hurst | Knee Replacement Surgeon, USA
Board Certified Orthopedic Surgeon

Experience: Over 10 years


  • Outpatient Total and Partial Knee replacements
  • Anatomic and Reverse Total Shoulder replacements
  • Sports injuries
  • Joint Preservation Strategies, Arthroscopy

How to Get a Knee Replacement Without Insurance?

Tips to Cash Payers

Your choice of hospital can be the main factor in the cost of your knee replacement. There can be a significant change in price estimates from one place to another. Hence, when pricing your knee surgery:

  • Find out if the quoted price is for a complete bundle of all services or includes only specific fees.
  • Get to know the total cost of treatment and not just the hospital’s expense.
  • Check if you can finance the price or break your payments into chunks.
  • You can also use MTC’s medical E-financing options to pay for surgery.

Points to Remember

As a patient and healthcare consumer, it is your right to know what you pay. Don’t automatically go with the least expensive knee replacement. Your satisfaction and the results are as important as your cost.

  • Consider each surgeon’s expertise, experience, and patient satisfaction.
  • Ask how well their patients do after knee replacement.
  • Enquire how long the implants typically last.
  • Take into consideration the quality of care at the chosen hospital.
  • We can help you find all of this information

Medical Trip to Ohio, USA

All major US and Canada airports offer flights to Ohio for seamless travel, with a typical duration of about 2.30 hours from the US and 5 hours from Canada, including transfers. Check out the flight times from American cities to Columbus airport (CMH) here.

John Glenn Columbus International Airport (CMH) is the nearest airport. It takes a 14min drive to reach New Albany and 1h 13min to Athens hospital.

You can book an Uber from the airport (CMH), or we can ask the hotel to book for you. From Columbus, Ohio Airport (CMH) to New Albany center, Uber is $15-25 and $95-130 to Athens.

Here is a list of hotel accommodations near our New Albany surgical center and the driving time from airport-hotel and hotel-New Albany.

Hotel  Airport to Hotel Hotel to New Albany center Contact
Courtyard Columbus 12min 2min Tel: (614) 855-1505
Hampton Inn & Suites 12min 2min
Courtyard by Marriott/Easton Town Center 13min 15min Tel: (614) 416-8000
Hilton/Easton Town Center 13min 15min Tel: 614-414-5000
Hilton Garden Inn/Port Columbus International Airport 9min <15min Tel: (614) 231-2869
Fairfield Inn & Suites/Port Columbus International Airport 5min walk 15min Tel: (614) 237-2100

If you are coming from outside the Columbus, Ohio area and interested in knowing more about the city, check the top attractions and destinations in the Ohio Tourism Portal.

FAQs About Total Knee Replacement Without Insurance

What are the risks of knee replacement surgery?

Knee replacement surgery has become a standard procedure. Thousands of patients undergo surgery every year and many without any complications.

However, you should know what the risks are and how to identify the signs of complications. The potential risks and complications could be:[7]Healthline Risks and Complications of Total Knee Replacement Surgery “Knee replacement surgery is now a standard procedure… thousands of people undergo every year. Many of them have no complications…blood clots…infection…persistent pain… may experience a reaction to the metal used in the artificial knee joint… may experience nerve damage during surgery… numbness…weakness… Knee stiffness and loss of motion…implant problems… need a follow-up procedure, or revision…” View in Article

  • Blood clots
  • Infection
  • Persistent pain
  • Allergy to metal components used in the artificial knee joint
  • Numbness, weakness, or both due to nerve damage during the surgery
  • Loss of motion in the knee and stiffness
  • Implant problems leading to revision knee surgery

The risks depend on your health condition and the extent of damage to the knee. Your knee replacement surgeon will discuss possible complications and risks before the surgery.

How long does knee replacement surgery take?

Total knee replacement surgery takes 1 to 3 hours.[8]NHS How it is performed? Knee replacement “In a total knee replacement, both sides of your knee joint are replaced. The procedure takes 1 to 3 hours…” View in Article However, the duration varies depending on the surgical technique and the type of knee replacement.

After surgery, the patient will be shifted to a recovery room and monitored by a medical team. The hospital stay will be for one to three days, depending on the patient’s age and health condition.[9]AAHKS Total Knee Replacement “You will likely stay in the hospital for one to three days depending …your condition before surgery, your age, and medical problems…” View in Article

How painful is a total knee replacement?

After the TKR, you may have relatively mild pain or a more difficult time than others. Every individual is unique and handles pain differently. You can expect:[10]Healthline How to Manage Pain, Swelling, and Bruising After a Total Knee Replacement. “Having some pain, swelling, and bruising is a normal part of the recovery process following knee surgery…moderate to severe swelling in the first few days or weeks after surgery and mild to moderate swelling for 3 to 6 months after surgery… Bruising around your knee may last 1 to 2 weeks following surgery” View in Article

  • General pain for up to several weeks following a TKR.
  • Swelling may last for 2-3 weeks post-surgery & sometimes for six months.
  • Bruising may persist for 1-2 weeks.

How long do knee replacements last?

There is an 80–85% chance that your knee will last 20 years and a 90–95% chance to last ten years. Having regular checkups keep your knee stay healthy. The AAHKS recommends visiting your knee surgeon every 3-5 years after TKR.[11]AAHKS Total Knee Replacement ” …you have a 90-95% chance that your joint will last 10 years, and a 80-85% that it will last 20 years…In general seeing your surgeon every three to five years is recommended.” View in Article

The decision to have joint replacement surgery in the US is an easy one considering the benefits. Ohio is easily reachable and surgery costs thousands of dollars less than at home.

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