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November 13, 2025Many people in Phoenix deal with foot pain from hammer toe. This condition happens when one of your toe joints bends abnormally. If non-surgical options no longer help, your doctor may recommend surgery. One important thing to know is how much the surgery might cost. This article explains the average prices, what affects those prices, and how to prepare for the cost.
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ToggleAverage Price Range for Hammertoe Correction Surgery in Phoenix
Hammertoe surgery in Phoenix usually costs between $3,000 and $12,000. The price depends on the type of treatment and if you have insurance. Below, we explain each surgery type and its estimated cost with and without insurance.
Type of Hammertoe Surgery | Without Insurance | With Insurance (Estimated Out-of-Pocket) |
Tendon Transfer | $3,000 – $6,000 | $300 – $1,000 |
Joint Resection (Arthroplasty) | $4,000 – $7,000 | $500 – $1,500 |
Joint Fusion (Arthrodesis) | $6,000 – $10,000 | $800 – $2,000 |
Minimally Invasive Surgery | $5,000 – $9,000 | $700 – $1,800 |
Amputation (rare cases) | $7,000 – $12,000 | $900 – $2,500 |
Out-of-Pocket Costs for Hammertoe Surgery
Out-of-pocket costs are the part of the surgery you pay yourself. These costs change depending on your insurance plan, deductible, and the type of treatment you need.Below are the common out-of-pocket costs you may have for hammertoe surgery:
- The anesthesia fee may add $300 to $1,000 if not fully covered.
- A medical boot or surgical shoe may cost $50 to $150 if it is not included.
- Any X-rays or lab tests may add another $100 to $500 to the total cost.
- Some follow-up visits may have extra charges if they are not part of the surgery package.
What Affects the Cost of Hammertoe Surgery in Arizona?
Here are the main factors that affect the total price of hammertoe surgery:
- The type of surgery affects cost. Simple soft tissue release costs less, while bone removal or joint fusion costs more.
- The use of metal pins, screws, or plates can increase the total price.
- The location of the surgery matters. Surgery centers usually cost less than hospitals.
- The best foot doctor in Phoenix or advanced equipment may raise the cost.
- Recovery items like post-op shoes, medical boots, or physical therapy can add extra charges.
Does Insurance Pay for Hammer Toe Surgery
Most insurance plans cover hammertoe surgery if it causes pain, wounds, or walking problems. They do not cover it for looks only. You must try other treatments first, like padding or special shoes. If approved, insurance usually pays 70% to 90% of the cost. You still need to pay your deductible or co-pay. We work with many insurance plans to help you pay less.
Is It Worth Getting Hammer Toe Surgery?
Yes, if hammer toe limits your movement, causes pain, or creates sores on your foot, surgery can help. Many patients choose Foot and Ankle Specialty Centers for:
- Skilled foot doctors with years of experience.
- Latest tools and techniques for better healing.
- Clear prices and help with insurance.
- Five easy-to-reach locations across the Phoenix area.
- Custom treatment plans for your needs.
- Over 1,000 Google reviews from happy patients.
- Before and after photos to show real results.
- Friendly, caring environment from start to finish.
Let’s Recap
Hammer toe surgery helps many patients walk better and feel less pain. In Phoenix, the cost of this surgery depends on your condition, your insurance, and the clinic you choose. You should understand the full price before scheduling surgery. Talk to a trusted foot and ankle specialist to get a clear cost estimate.
FAQs
Does Medicare Cover Hammertoe Surgery in Arizona?
Yes. Medicare covers hammertoe surgery if it is medically necessary. The doctor must show that the condition affects your health or function.
What’s Included in the Price of Hammertoe Surgery?
The price often includes the surgeon’s fee, facility charges, anesthesia, and follow-up visits. Some plans also cover medical boots and x-rays.
How to Save on Hammertoe Surgery in Phoenix, AZ?
You can save money by asking for cash-pay discounts, using a surgery center instead of a hospital, or choosing a clinic that offers bundled pricing.
What are Payment Plans & Financing Options for Hammertoe Surgery?
Many clinics offer monthly payment plans or work with financing companies. You can also use a health savings account or flexible spending account.




