With a doctor’s recommendation, many insurance plans will cover some or all of the surgery’s expenses, including joint replacement. Medicare and Medicaid may cover the cost of PIP joint arthroplasty and rehabilitation services prescribed by a doctor.
According to Medicare.gov, the average out-of-pocket cost for PIP joint replacement procedures is between $979 and $1,436 per joint, depending on the type of facility in which you have the procedure and if you have secondary insurance.