{"id":20579,"date":"2023-06-23T09:47:59","date_gmt":"2023-06-23T14:47:59","guid":{"rendered":"https:\/\/www.zocdoc.com\/blog\/?p=20579"},"modified":"2023-07-19T12:16:23","modified_gmt":"2023-07-19T17:16:23","slug":"a-guide-to-navigating-major-and-minor-surgeries-on-a-budget","status":"publish","type":"post","link":"https:\/\/www.zocdoc.com\/blog\/uncategorized\/a-guide-to-navigating-major-and-minor-surgeries-on-a-budget\/","title":{"rendered":"A Guide to Navigating Major and Minor Surgeries on a Budget"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Surgery can be frightening and expensive, but at some point in everyone\u2019s lives, it is necessary. Every year <\/span><a href=\"https:\/\/www.facs.org\/for-patients\/strong-for-surgery\/\"><span style=\"font-weight: 400;\">15 million Americans<\/span><\/a><span style=\"font-weight: 400;\"> undergo surgery \u2014 with many having multiple procedures.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some surgeries, such as skin grafts or wound debridement, are minor; with doctors performing multiple procedures daily and patients returning home to recover without lengthy hospital stays. Others, such as a coronary artery bypass, fall into the major surgery category and require careful preparation, intense post-operative monitoring, and long recovery periods.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Major and minor procedures also have different cost factors, including the price of the surgery itself and post-operative care. It\u2019s important to know these differences \u2014 not only to know what to prepare for but if you\u2019re considering a payment plan as well.\u00a0<\/span><\/p>\n<h2>What is a major surgery?<\/h2>\n<p><a href=\"https:\/\/www.lawinsider.com\/dictionary\/major-surgery\"><span style=\"font-weight: 400;\">Major surgeries<\/span><\/a><span style=\"font-weight: 400;\"> require anesthesia or another form of sedation and artificial support for bodily functions. Because of their invasiveness, these procedures occur in inpatient facilities, such as hospitals.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.verywellhealth.com\/inpatient-surgery-3157099\"><span style=\"font-weight: 400;\">Inpatient facilities<\/span><\/a><span style=\"font-weight: 400;\"> are set up to care for patients after their surgery. Major procedures typically require careful monitoring and care for a day or longer. Staff manage the recovery process and only discharge the patient when they no longer need intensive care and are recovered enough to continue recuperating at home.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Along with the cost of the procedure, the inpatient stay also adds to the overall price tag of a major surgery.<\/span><\/p>\n<h2>Types of major surgeries<\/h2>\n<p><span style=\"font-weight: 400;\">According to Johns Hopkins, <\/span><a href=\"https:\/\/www.hopkinsmedicine.org\/health\/treatment-tests-and-therapies\/common-surgical-procedures\"><span style=\"font-weight: 400;\">some major surgeries are common<\/span><\/a><span style=\"font-weight: 400;\">. These procedures often involve implants, removal of parts of organs or tissue or altering bodily functions. Examples include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coronary artery bypass surgery involves routing a vein around a blockage.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A mastectomy which removes a part or all of the breasts due to cancerous tissue.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Organ replacement surgeries involve removing a damaged organ and implanting real or artificial replacement.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Various heart and brain surgeries often require extensive inpatient care.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Joint replacement procedures, which involve replacing damaged knee, elbow, shoulder, or hip joints with artificial ones, require inpatient care and extensive physical therapy.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Amputations which are carefully monitored for infections and blood loss.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.zocdoc.com\/oral-surgeons\"><span style=\"font-weight: 400;\">Oral surgeries<\/span><\/a><span style=\"font-weight: 400;\">, such as jaw corrections or bone grafting, are considered major and require post-operative care.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some surgical techniques, such as laparoscopic procedures, allow doctors to complete some surgeries, such as an appendectomy which removes the appendix, with a small camera and minor incisions. Though the patients may go under general or regional anesthesia, they can return home to recover without inpatient care.\u00a0<\/span><\/p>\n<h2>The cost of major surgery<\/h2>\n<p><span style=\"font-weight: 400;\">The cost of major surgeries can vary widely, with location, post-operative care, and insurance coverage deciding the overall price tag. For example, the price for a day-long hospital stay in California is nearly <\/span><a href=\"https:\/\/www.debt.org\/medical\/hospital-surgery-costs\/\"><span style=\"font-weight: 400;\">four times more<\/span><\/a><span style=\"font-weight: 400;\"> than it is in Mississippi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aside from location, other factors play a role in the final price, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insurance co-pays, deductibles, and coverage maximums;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extra treatment and monitoring for pre-existing conditions;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Complications;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Type of anesthesia;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospital or surgery center;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Time spent by the surgeon.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Other expenses, such as physical therapy or other recovery care can add to the overall bill.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is the <\/span><a href=\"https:\/\/www.statista.com\/statistics\/189963\/cost-of-various-surgeries-in-the-us-2010\/\"><span style=\"font-weight: 400;\">average cost<\/span><\/a><span style=\"font-weight: 400;\"> for common major surgeries in the United States according to Statista.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Heart valve replacement<\/b><span style=\"font-weight: 400;\">: $170,000;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bypass<\/b><span style=\"font-weight: 400;\">: $123,000;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Spinal fusion<\/b><span style=\"font-weight: 400;\">: $110,000;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Knee joint replacement<\/b><span style=\"font-weight: 400;\">: $35,000;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hysterectomy<\/b><span style=\"font-weight: 400;\">: $15,400.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Although many insurance plans cover a majority of these costs, patients without insurance have to pay for these procedures out-of-pocket.\u00a0<\/span><\/p>\n<h2>What is minor surgery?<\/h2>\n<p><span style=\"font-weight: 400;\">Minor surgeries fall into two categories: procedures involving full or partial sedation and those only relying on local anesthetics. However, in both cases, patients return home to recover on the same day as the surgery.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Minor surgeries such as skin grafts may only require local anesthesia or numbing agents.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sedation procedures could include arthroscopic surgeries performed with tiny incisions and assisted by video cameras or removal of impacted teeth, such as a wisdom tooth extraction.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The one thing minor surgeries have in common is they do not happen at inpatient facilities. If you undergo one of these procedures, you expect to leave on the same day and return home to recover. These surgeries take place at <\/span><a href=\"https:\/\/www.zocdoc.com\/doctors\/ambulatory-surgery-centers-near-me\"><span style=\"font-weight: 400;\">ambulatory surgery centers<\/span><\/a><span style=\"font-weight: 400;\">. These places are not set up for long-term care and patients get discharged within a few hours after their surgery.<\/span><\/p>\n<h2>Types of minor surgeries<\/h2>\n<p><span style=\"font-weight: 400;\">Here are examples of the minor surgeries you might get at an ambulatory surgery center or outpatient surgery clinic.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A wisdom tooth extraction requiring incisions;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Arthroscopic surgery to repair knee ligaments;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lasik vision correction surgery;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tooth implants or other minor procedures performed by an oral surgeon or <\/span><a href=\"https:\/\/www.zocdoc.com\/dentists\"><span style=\"font-weight: 400;\">dentist<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cosmetic procedures, such as a rhinoplasty.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Though they are qualified to perform other procedures, many physicians and dentists specialize in specific minor surgeries and can perform several of them in a day.\u00a0<\/span><\/p>\n<h2>The cost of minor surgery<\/h2>\n<p><span style=\"font-weight: 400;\">Because the procedures are simpler, require fewer specialists and less equipment, and have limited post-operative care, they are cheaper than major surgeries.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are examples of what you can expect to pay without insurance coverage, according to Statista:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Rhinoplasty<\/b><span style=\"font-weight: 400;\">: $6,500;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lasik<\/b><span style=\"font-weight: 400;\">: $4,000;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Dental implants<\/b><span style=\"font-weight: 400;\">: $2,500;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Arthroscopic <\/b><a href=\"https:\/\/www.health.harvard.edu\/blog\/knee-arthroscopy-should-this-common-knee-surgery-be-performed-less-often-2020042019507\"><b>knee surgery<\/b><\/a><span style=\"font-weight: 400;\">: $5,000 to $10,000;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Laparoscopic <\/b><a href=\"https:\/\/www.medicalnewstoday.com\/articles\/gallstones-surgery-cost\"><b>gallbladder removal<\/b><\/a><span style=\"font-weight: 400;\">: $3,044 to $6,321.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The final bill can depend on your insurance coverage. Many insurers <\/span><a href=\"https:\/\/www.webmd.com\/eye-health\/does-insurance-cover-costs-refractive-laser-eye-surgery\"><span style=\"font-weight: 400;\">do not cover Lasik<\/span><\/a><span style=\"font-weight: 400;\">, for example, so out-of-pocket costs could be higher than a more expensive procedure partially covered by insurance.<\/span><\/p>\n<h2>Paying for major and minor surgeries<\/h2>\n<p><span style=\"font-weight: 400;\">Different factors can affect the cost of major and minor surgery. If you have to pay for a required surgery, the most important variable in the cost will be how thorough your insurance coverage is.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Several other factors could also come into play.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The bill could depend on your <\/span><a href=\"https:\/\/www.zocdoc.com\/blog\/guides\/what-to-know-about-your-deductible\/\"><span style=\"font-weight: 400;\">insurance deductible<\/span><\/a><span style=\"font-weight: 400;\">, which is the amount you pay before insurance coverage pays the remainder.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your insurance policy could also require a co-pay, which is a set amount for each office or hospital visit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some policies have maximums for a procedure or annual medical spending.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These factors are outlined in your insurance policy, so you will know how they will affect your final bill beforehand.\u00a0<\/span><\/p>\n<h2>Elective vs. non-elective procedures<\/h2>\n<p><span style=\"font-weight: 400;\">Whether or not the surgery is a medical necessity will also affect the cost of the procedure and whether your insurance will cover it. Rather than major or minor surgeries, insurers categorize procedures as medically necessary or not medically necessary \u2014 both terms differentiate from elective and non-elective surgeries.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All <\/span><a href=\"https:\/\/www.verywellhealth.com\/elective-vs-nonelective-surgery-5409504\"><span style=\"font-weight: 400;\">pre-planned surgeries are elective<\/span><\/a><span style=\"font-weight: 400;\">, while emergency surgeries and procedures meant to save your life are non-elective. Under these terms, you can have elective surgery that is medically necessary. For example, gallbladder removal is not a lifesaving procedure, but it can solve chronic pain and help you function normally.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most insurers and healthcare providers <\/span><a href=\"https:\/\/www.healthcare.gov\/glossary\/medically-necessary\/\"><span style=\"font-weight: 400;\">define medically necessary<\/span><\/a><span style=\"font-weight: 400;\"> procedures as those that treat a disease or illness according to medically accepted standards.\u00a0<\/span><\/p>\n<h2>Medical vs. dental insurance<\/h2>\n<p><span style=\"font-weight: 400;\">Insurance policies typically differentiate between medical and dental care. The reason for this distinction is that medical and dental insurance policies have <\/span><a href=\"https:\/\/www.nbcnews.com\/better\/health\/reason-your-dental-work-isn-t-covered-medical-insurance-ncna813666\"><span style=\"font-weight: 400;\">different risk factors<\/span><\/a><span style=\"font-weight: 400;\">. On a practical level, the different policies mean you have to assess how to <\/span><a href=\"https:\/\/www.zocdoc.com\/blog\/guides\/your-guide-to-paying-for-dental-care\/\"><span style=\"font-weight: 400;\">pay for dental care<\/span><\/a><span style=\"font-weight: 400;\"> differently than medical care.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dental coverage typically includes preventive visits. For example, the policy might cover two cleanings and checkups per year. It will also cover any necessary procedures such as tooth extraction and fillings.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Medical and dental coverage could overlap. If you have an accident, your medical coverage will pay for emergency-room treatments to stabilize your condition. However, dental coverage would pay for implants or any reconstruction work on your teeth.\u00a0<\/span><\/p>\n<h2>In-network vs. out-of-network<\/h2>\n<p><span style=\"font-weight: 400;\">Insurance providers have a well-defined coverage network including various clinics and hospitals. If you <\/span><a href=\"https:\/\/www.zocdoc.com\/\"><span style=\"font-weight: 400;\">make a doctor\u2019s appointment<\/span><\/a><span style=\"font-weight: 400;\">, you should always check if they accept your insurer beforehand. You may end up paying part or all of the cost for providers who are not within your policies\u2019 coverage network.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.zocdoc.com\/blog\/guides\/the-health-insurance-terms-you-need-to-know\/\"><span style=\"font-weight: 400;\">In-network and out-of-network<\/span><\/a><span style=\"font-weight: 400;\"> distinctions could also apply to hospitals, surgery centers, and even specific surgeons, doctors, or dentists who operate their own clinics. The best strategy is to always stay within your network and opt for a different provider if there are any uncertainties about coverage. You can also work with nearby hospitals, clinics, and dental facilities to see which insurers cover their services. You can then switch your policy to one of these companies.<\/span><\/p>\n<hr \/>\n<h1 style=\"text-align: center;\">Need a doctor? Find one on <a href=\"https:\/\/www.zocdoc.com\/\">Zocdoc.\u00a0<\/a><\/h1>\n","protected":false},"excerpt":{"rendered":"<p>The cost of major or minor surgeries can vary widely.<\/p>\n","protected":false},"author":82,"featured_media":20580,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[103,17,78,95,81,106],"class_list":["post-20579","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-prep","tag-chronic-illness","tag-health-insurance","tag-hospital-stays","tag-preventive-care","tag-treatment","reviewer-dr-nassim-assefi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A Guide to Navigating Major and Minor Surgeries on a Budget - Uncategorized<\/title>\n<meta name=\"description\" content=\"The cost of major or minor surgeries can vary widely.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zocdoc.com\/blog\/uncategorized\/a-guide-to-navigating-major-and-minor-surgeries-on-a-budget\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Guide to Navigating Major and Minor Surgeries on a Budget - 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