Your doctor might prescribe medications such as DMARDs and biologics for your rheumatoid or psoriatic arthritis, as well as physical therapy, occupational therapy, assistive devices, or even surgical procedures. It is not uncommon for RA and PA patients to pay up to $30,000 each year for their medications. If your copay is 20-30 percent, you could be paying as much as $10,000 of this cost out-of-pocket. Disease-modifying antirheumatic drugs or DMARDs can cost up to $2,000 per year while Biologics cost between $1,300 and $3,000 per month. Physical therapy can cost from $75-$150 per session, while surgical procedures (joint replacement or arthroscopic surgeries) can cost up to $35,000.