How Much Does ACL Reconstruction Cost?
Without Insurance
$20,000 - $50,000
With Insurance
$2,000 - $6,000
Medicare Covered
Cost Overview
ACL reconstruction surgery rebuilds the torn anterior cruciate ligament using a tissue graft. It is one of the most common sports medicine procedures, with approximately 200,000 performed annually in the U.S. Cost varies based on the type of graft used, whether additional meniscus repair is needed, and facility type.
Cost Breakdown
| Item | Estimated Range |
|---|---|
| Surgeon fee | $4,000 - $10,000 |
| Hospital/surgery center fee | $10,000 - $25,000 |
| Anesthesia | $1,500 - $3,500 |
| Graft materials | $1,000 - $3,000 |
| Physical therapy (6-9 months) | $3,000 - $8,000 |
| MRI and pre-op tests | $500 - $2,000 |
| Total (estimated) | $20,000 - $50,000 |
Insurance Coverage
ACL reconstruction is covered by most insurance plans when the tear causes instability and conservative treatment has failed. The extended physical therapy period (6-9 months) may have separate copays per visit. Verify how many PT sessions your plan covers.
Financing Options
- Most commercial insurance covers ACL surgery
- Physical therapy copays can add up - budget $20-$50 per visit
- HSA/FSA funds can cover copays and deductibles
- Outpatient surgery centers cost less than hospitals
- Ask about bundled pricing that includes PT
Frequently Asked Questions
How much does ACL surgery cost with insurance?
With insurance, ACL reconstruction typically costs $2,000-$6,000 out of pocket. The biggest variable is physical therapy - at $20-$50 per visit for 50+ sessions, PT alone can cost $1,000-$2,500 in copays.
Does insurance cover ACL reconstruction?
Yes. Most insurance plans cover ACL reconstruction when the tear causes functional instability. A failed course of physical therapy and bracing is typically required before surgery is approved. Pre-authorization is usually needed.
Is ACL surgery more expensive with an allograft?
Allograft (donor tissue) typically costs $1,000-$2,000 more than autograft (your own tissue) due to processing and screening costs. Both types are covered by insurance. Your surgeon will recommend the best option based on your activity level and age.
How much does physical therapy cost after ACL surgery?
ACL rehabilitation requires 6-9 months of physical therapy, typically 2-3 sessions per week initially. Total PT costs range from $3,000-$8,000. With insurance, you may pay $20-$50 per visit in copays. Check your plan for visit limits.
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Cost estimates are based on national averages and may vary by location, provider, and insurance plan. Contact your provider and insurer for personalized estimates.