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Health insurance for hip replacement surgery
The cost of hip replacement surgery can be significant, but treatment can be covered by both Medicare and private health insurance. Compare your options for a hip replacement below.
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*Prices updated October 2024, in line with Finder's database of health insurance policies. Prices reflect the cheapest available for a single individual with less than $97,000 income and living in Sydney with a $750 excess.
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Hip replacements are complex surgery, with big price tags and long wait times.
Medicare will cover the cost in a public hospital, but surgery lists can be months or years.
Out of pocket costs for private patients with insurance can be between $1,000 and $5,000.
How much does hip replacement cost?
Hip replacement surgery is a really big, complex procedure, so it's also really expensive. In the private system, without insurance, the cost of a hip replacement is typically around $25,000 for a unilateral procedure (one side of the hip) of close to $50,000 for a bilateral replacement (both sides of the hips).
The good news is you hopefully won't have to pay that! Medicare will cover the cost of the surgery in a public hospital, but you'll be subject to surgery waiting times that can stretch from months to years. Private health insurance will partially cover the cost of surgery, but you'll likely still have out of pocket costs to pay. You'll also need a pretty comprehensive policy, either a Silver Plus or Gold policy, to cover hip replacement.
According to Medical Costs Finder, typical out of pocket costs are around $1,000 for a unilateral replacement, and around $5,000 for a bilateral replacement.
Does Medicare cover hip replacement surgery?
Medicare covers most medically necessary surgeries like hip replacements. Public patients should have no out-of-pocket expenses for surgery in a public hospital. Additionally, Medicare pays 75% of the Medicare Benefits Schedule (MBS) to private patients in public hospitals, meaning it will cover 75% of the public rate for the surgery, anaesthesia and diagnostic work.
The trouble is the public system has much longer waiting lists for surgery than the private system. Hip replacement surgery is a complex surgery, so the lists can be months to years, depending on your procedure.
Average public vs private wait times in Australia for hip replacement surgery
What do different insurers offer for hip replacement surgery?
Below are some Silver Plus and Gold policies from Finder Partners that cover joint replacement surgery. All prices are based on a single individual with less than $97,000 income and living in Sydney.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
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To get a copy of your results for later, add your email below
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How to work out the gap you'll have to pay
You'll need a Silver Plus or Gold policy to have hip replacement covered by private health insurance. Let's say you have cover and want to know how much you'll be up for out of pocket. Here are a few ways to get a bit more information.
Ask your private health fund as a first step. They'll help you understand the process.
Call your surgeon to get their cost. The average cost of a hip replacement can vary by more than $20,000, so it's worth looking into.
Ask if your surgeon is on your private health insurer's preferred list to help find the most affordable option.
Ask for their extras cost as things like an anaesthetist can cost a lot.
Make sure there are no hidden out-of-pocket expenses like X-rays.
Ask for the Medicare code.
Call your private health insurer and give them your Medicare code.
Call the anaesthetist and ask for a cost estimate.
Find out your doctor's estimated rebate.
When might you need hip replacement surgery?
Hip replacement is usually recommended after other treatments like physical therapy, exercise and medication have failed to improve your condition. You may need a hip replacement if:
Your pain isn't improved by medication
Your hip has become weak and unstable
Pain stops or limits you from getting out and being as active as normal
Pain affects your sleep
Finder survey: How many Australians have made a hospital claim for joint replacements?
Response
Male
Female
Joint replacements
2.92%
1.72%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023
While Medicare provides hip replacements with little or no out-of-pocket expenses for public patients in public hospitals, you may have to wait several months before receiving surgery. It's also worth remembering that you won't be able to choose your doctor if using the public system.
Average public vs private wait times in Australia for hip replacement surgery
Source: Australian Institute of Health and Welfare (AIHW) Private health insurance use in Australian hospitals 2006–07 to 2016–17
How does private health insurance cover hip replacement surgery?
If you go private, you'll have your choice of surgeon and hospital. There's a good chance you'll also have more say over when the surgery takes place.
To be covered, you'd need a private hospital policy, normally medium to high level. If you're getting joint replacement cover for the first time you'll also have to serve a waiting period of 12 months.
For the treatment, you're likely to receive out-of-pocket costs depending on things like your excess and what your doctor charges. That's why it's important to do your research beforehand.
What does hip replacement surgery involve?
There are two types of hip surgery: anterior, where an incision is made at the front of the hip and posterior, where the incision is on the side. Each surgery has a slightly different procedure:
Anterior:
Anterior hip replacement is a minimally invasive approach associated with a faster early recovery for the patient.
The procedure is performed under general anaesthesia and a small incision is made, usually between three and six inches long on the front of the thigh.
The femur bone is then separated from the acetabular socket and any damaged cartilage and bone is removed and reshaped.
The acetabular prosthesis is secured using special cement or screws and the femur is prepared using special instruments so that the new prosthesis fits perfectly into the bone.
Posterior:
The procedure is performed under general anaesthesia: an incision is made close to the buttocks and the surgeon must part the muscle to gain access to the hip joint.
A posterior total hip replacement replaces the femoral head and acetabulum with artificial prosthesis.
In this case, the femoral head is removed and the femoral component is secured using cement or screws.
Your surgeon will slide the femoral head into its acetabular counterpart.
How long is the recovery time for hip replacement surgery?
Typically, patients return to normal life activities within one to six months. The most discomfort ordinarily comes after surgery where you'll probably feel some pain but will receive medication to ease the discomfort. 24 hours after surgery you'll be given exercises and a walking aid, such as a stick, to get you moving and begin strengthening the muscles around the hip.
Short-term recovery involves getting off painkillers and managing to sleep without discomfort. You'll find you're on the road to recovery when you no longer need any walking aid and can move about the house without pain. It usually takes around four to six weeks to get to this stage of recovery.
Long-term recovery is when you can return to work and do normal, daily activities. You should also find that surgical wounds and soft tissue have healed, generally feeling normal again.
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To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
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