This procedure is generally covered by medical insurance or Medicare under the condition that it is performed for medical purposes. Hammer toe repair surgery is deemed medically necessary if:
You experience acute pain
The disorder affects your general foot health
The condition affects your balance
Keep in mind that you should not expect to get reimbursement if you undergo the procedure for purely cosmetic reasons. Out-of-pocket hammer toe surgery cost can be around $4,700, according to the Healthcare Bluebook.