Medicare Coverage for Hip Replacement in Florida
| Medicare Part A Coverage | Yes — hospital and inpatient care |
|---|---|
| Medicare Part B Coverage | Yes — 80% after deductible |
| Medicare Part D Coverage | Not applicable |
| Your Cost Share (Part B) | 20% after $240 deductible |
| Average Annual Medicare Cost (Hip Replacement) | $24,600 |
| Medicare Beneficiaries in Florida | 4,900,000 |
Does Medicare Cover Hip Replacement in Florida?
Yes — Medicare covers hip replacement treatment in Florida under both Part A (hospital/inpatient) and Part B (outpatient/physician services). The average annual Medicare cost for Hip Replacement is approximately $24,600, with Medicare paying 80% of approved charges after the Part B deductible ($240 in 2026).
What Medicare Covers for Hip Replacement in Florida
- total hip replacement surgery
- hospital stay
- anesthesia
- physical therapy
- skilled nursing facility (up to 100 days)
- home health care
- durable medical equipment
Your Out-of-Pocket Costs for Hip Replacement in Florida
Under Original Medicare in Florida, you pay 20% of all Part B-covered hip replacement services after meeting the annual deductible ($240 in 2026). There is no out-of-pocket maximum under Original Medicare, which means costs can add up significantly for serious conditions. The average Florida Medicare beneficiary with hip replacement pays approximately $4,920/year in out-of-pocket costs under Original Medicare.
Cost Comparison: Original Medicare vs. Medicare Advantage for Hip Replacement in Florida
| Coverage Type | Annual Out-of-Pocket (Estimated) | Out-of-Pocket Maximum | Prescription Coverage |
|---|---|---|---|
| Original Medicare (Parts A+B) | $4,920 | No limit | Separate Part D plan required |
| Original Medicare + Medigap Plan G | $1,470 + $1,608 Medigap premiums | Effectively capped | Separate Part D plan required |
| Medicare Advantage (avg in Florida) | Varies by plan | Capped (varies) | Usually included |
Medicare Advantage Coverage for Hip Replacement in Florida
Medicare Advantage plans in Florida must cover all services that Original Medicare covers for hip replacement, but may have different cost-sharing structures. With 112 MA plans available in Florida, you can compare plans specifically for their hip replacement coverage, including specialist networks, prior authorization requirements, and drug formularies. The average MA plan in Florida is rated 3.9 stars by CMS.
Medicare Part D Coverage for Hip Replacement Medications in Florida
Most medications for hip replacement are covered under Medicare Part D in Florida. Check individual plan formularies at medicare.gov/plan-compare for specific drug coverage and tier placement.
Medicaid and Hip Replacement in Florida
Florida has not expanded Medicaid, meaning most adults without dependent children do not qualify for Medicaid regardless of income. Only parents earning up to 26% FPL ($7,103/year for a family of three) may qualify. For dual-eligible individuals in Florida with hip replacement, Medicaid covers Medicare cost-sharing (premiums, deductibles, and copays), providing comprehensive coverage with minimal out-of-pocket costs.
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