I am having total knee replacement of my right knee on Tuesday, September 26, 2017. The surgeon has told me that it will require a hospital stay of 2-3 days. Medicare will cover only 80% of the costs and my Blue Cross supplemental Advantage Plan requires copays of $300 per day for the hospital stay and $325 for the surgery. Each follow up with the orthopedic surgeon is a $40 copay. The recovery period for this surgery at my age is 6-8 weeks.
The surgeon has also informed me that I will need 6 weeks of physical therapy, 2-3 times per week. My copay for each physical therapy visit will be $40, which amounts to $$80-$120 per week for 6 weeks which will amount to $480-$720 total. My wife Susan is taking family medical leave for 5 weeks and 3 weeks of that will be unpaid leave, which amounts to almost $1000 in lost wages. I am still paying for my open heart surgery last year, with a balance of $1060.
Susan and I really need help to cover all of these expenses and any help will be greatly appreciated. Thank you all so much!