How Much Does a Broken Arm Cost? A Comprehensive Guide

If you’re like most people, you probably don’t think about how much a broken arm costs until it happens to you. However, if it does happen to you, the last thing you want to do is worry about how much it’s going to cost to fix it. A broken arm can be a very costly injury. Depending on the severity of the break, it may require surgery, hospitalization, and physical therapy

In this comprehensive guide, we will break down the cost of a broken arm by type of injury, treatment method, and more. We’ll also give you some tips on how to get the best price for your care. So whether you’re dealing with a broken arm right now or are just curious about what might happen if it does, keep reading. 

How much does a broken bone cost without insurance? 

The total price of your visit will depend upon which services you receive and their complexity. For example, if your child breaks his arm, how long it takes to fix the fracture will affect how much you pay. If he needs a cast or splint made out of plaster, as well as how long that process takes also affects how much money goes into making sure your child gets well again.

The average cost of treating a broken bone without insurance is about $500-$2000. The price will depend on how serious the injury is, how long it takes to heal and how many doctor visits are required for treatment.

However, you may be able to negotiate with your doctor or hospital if you don’t have insurance coverage for all costs associated with treating a broken bone by paying out-of-pocket. Make sure to ask how much the procedure would cost before you go in for treatment. 

If you have a broken bone, it is important to get the care that you need so you can heal as quickly as possible. By understanding how much different treatments will cost, you can make an informed decision about how to best proceed with getting your injury healed.

How much does it cost to cast a broken arm?

The cost of casting a broken arm can vary depending on the severity of the break and where it is located. Generally, however, expect to pay between $500 and $2000 for a cast or splint. If surgery is required, that will add additional costs to the equation. 

Usually, medical bills are the biggest expense associated with a broken arm. Hospital bills, doctor visits, and prescription drugs can add up quickly. 

If you have health insurance, your medical expenses may be partially or fully covered. However, if you do not have health insurance, you will likely have to pay the full cost of treatment yourself.

In addition to medical expenses, there are other costs associated with a broken arm. You may miss work while you are recuperating, which can lead to lost income. If you need help taking care of your children or pets while you are healing, you may have to pay for additional childcare or pet care. Finally, if you require transportation to and from medical appointments, you may have to pay for taxi fares or gas money.

Generally speaking, the amount could be higher or lower depending on individual circumstances. Some of the factors that will affect how much a broken arm costs include:

  • The type of fracture (simple or compound)
  • The location of the fracture (arm or leg bones)
  • How old is the patient? Children usually have smaller bones than adults and therefore less costly breaks. In addition, they tend to heal faster than adults do due to their younger age.
  • Is there any additional medical condition that could affect how much a broken arm costs? These include diabetes, osteoporosis and other underlying health problems.
  • How long has it been since the break occurred? If you have had a broken arm for some time now, how much does that cost in medical bills? For example: if you broke your wrist two months ago but only recently went to see a doctor about it, how much will the medical bills be?
  • What is the treatment required for the broken arm? This includes surgery, casting, and physical therapy.

Is fracture covered by insurance?

Most insurance plans will cover the cost of a broken arm, but there may be some out-of-pocket expenses. The deductible is the amount that you must pay before your insurance company begins to pay for covered services. The co-insurance is the portion of covered medical bills that you are responsible for after meeting your deductible. 

For example, if your deductible is $500 and your coinsurance is 20%, you will owe $100 for a covered medical bill of $500. Most insurance plans have an out-of-pocket maximum, which is the most you will have to pay for covered services in a year. Once you reach your out-of-pocket maximum, your insurance company will pay for 100% of covered medical expenses.

However, no matter how you pay for your broken arm, it’s important to get the treatment you need. A broken arm is a serious injury that can lead to complications if it’s not treated properly. If you have any questions about how much your broken arm will cost, be sure to ask your doctor or hospital. They can help you understand your insurance coverage and find the best way to pay for your treatment.

What are some tips for reducing the cost of a broken arm?

If you’re concerned about how much a broken arm will cost, here are some tips for reducing the expense:

  • Check your insurance policy to see if your broken arm is covered. If it’s not covered, ask your doctor or hospital if they offer discounts to patients who are unable to pay their medical bills.
  • Ask family and friends if they can loan you money to pay for your broken arm.
  • Use a medical credit card to finance your treatment. Be sure to compare the interest rate of a medical credit card with the interest rate of a personal loan before deciding how to finance your broken arm.
  • Contact charities or non profit organizations that may be able to help with the cost of medical care.
  • If you have a high-deductible health plan, open a health savings account (HSA) to pay for your broken arm. You can make pre-tax contributions to your HSA and use the money tax-free to pay for medical expenses.

How much does a broken elbow surgery cost?

Elbow surgery can cost anywhere between $500 and $20,000 depending on how severe the break is and how many surgeries need done in order to fix it properly. For example, a simple fracture might only require one surgery which would run about $500 when you factor in follow up visits too. But if that person had multiple breaks, then it could easily cost upwards of $20k per break.

What Type of Arm Injury Has the Highest Settlement Value?

When it comes to arm injuries, there are three main types: fractures, dislocations, and strains/sprains. The type of injury that has the highest settlement value is a fracture. A fracture is a break in one or more bones in the arm. 

Fractures can range from minor to serious. In general, the more severe the fracture, the more expensive it is to treat. An open fracture is among the most serious broken bone injuries because there may also be damage to internal organs or blood vessels in addition to broken bones.

A fractured arm can range in price from around $500 for minor injuries up to about $25K for major fractures. Most severe fractures require surgery, which increases their cost even further.

Common Causes of Broken Arms

Broken arms can be caused by a variety of accidents and injuries. Some of the most common causes of broken arms include:

  • Car accidents
  • Falls
  • Sports injuries
  • Assault or violence
  • Childbirth

What is the Cost of Anesthesia for Broken Bones?

A broken arm can be treated with a local or regional anesthesia. This is an injection of medicine into the body that numbs it, but leaves you awake and alert. This type of anesthesia may cost $400 to $600 dollars per procedure, according to some estimates. 

On the other hand, a general anesthesia makes one unconscious while the surgery is being performed. This type of anesthesia typically costs $800 to $1200 per procedure.

If you are having surgery to fix a broken bone, the cost of anesthesia will be added to your medical bill. The average cost of anesthesia for a broken arm ranges from $600 to $1300 dollars, depending on the type of anesthesia used.

Commonly Broken Bones 

The most commonly broken bones in adults are the clavicle (collarbone), wrist, hip and thigh. In children, it is more common for fractures to occur at the growth plates around the knee or elbow joints. These injuries can range from minor stress fractures that heal without treatment to compound fractures where multiple bones are shattered by significant force.

  • Arms: The arms are particularly vulnerable to breaking because they are used for both movement and protection. A broken arm can occur from a fall, car accident, or contact sport. The most common symptoms of a broken arm include pain, swelling, bruising and difficulty moving the arm.

    If you suspect that you have a broken arm, it is important to seek medical attention right away. Delaying treatment can lead to further complications, such as infection or nerve damage.
  • Collarbones: The clavicle is the most commonly broken bone in the upper body. A break or fracture of the collarbone can range from a simple crack to a complete separation of the bone. Treatment for a broken clavicle usually involves wearing a sling for several weeks to allow the bone to heal. 

    If the break is severe, surgery may be required to repair the bone with screws or plates. The cost of treatment for a broken collarbone can be anywhere from $500 to $12,000 depending on how severe the fracture is and whether surgery is needed.
  • Hips and Thighs: The hip and thigh are the most common broken bones in adults over age 65. These injuries tend to happen when a person falls and tries to break their fall with outstretched arms or legs. A broken hip can be serious because it prevents mobility, increases the risk of blood clumps (pulmonary embolism) and can lead to pneumonia, urinary tract infections and other complications.
  • Wrists: The most common wrist fracture is a break of the radius, which is located on the thumb side of the arm. This type of fracture often occurs when people fall onto their outstretched hand. Treatment for a broken radius may include a cast or splint to keep the bone in place while it heals, followed by physical therapy to regain strength and mobility.

    In elderly people, the distal radius (the end of the bone nearest to your hand) is more likely to break. A broken wrist can be painful and slow healing because it is used in almost every movement you make with your hands. It may also cause damage to other parts of the body such as nerves or tendons.

Common Signs and Symptoms of Broken Bone Injuries

The most common symptoms of a broken bone are pain, swelling, and bruising. If you experience any of these symptoms after an accident, it is important to seek medical attention right away. Other signs that you may have a broken bone include:

  • Difficulty using the limb
  • Deformity or abnormal angles in the limb
  • Numbness or tingling
  • Discoloration

Examples of Broken Arm Settlements

Jane Smith, Maryland

Jane was hit by a car while walking across a street in Baltimore city. She sustained serious injuries including right rotator cuff and bicep tendon tears, as well as an aggravation of pre-existing emotional distress that occurred during this event. 

According to her, the driver was at-fault for the accident as he failed to pay attention to pedestrians, yield right of way and control the car properly. She filed a claim and the jury in the city awarded her $90,000. 

Allan White, California

Allan, a 85 year old man in California was hit by a reversing truck in a parking lot. He suffered elbow lacerations, elbow fracture and some serious head injuries. After filling a claim, he was able to prove that the driver’s negligence led to the injuries. The case was settled and he was awarded $200,000. 

Jeremy K. Ludwig

Jeremy suffered a broken arm as a passenger as result of negligence of the at-fault driver. The two parties agreed on $50,000 as the settlement. 


A broken arm can be a costly injury, but there are ways to reduce the cost. By understanding how much a broken arm costs and taking steps to minimize medical bills and lost income, you can make sure that you receive the best possible care for your injury. We hope this guide has been helpful in answering your questions about how much does a broken arm cost. 


  1. Broken Arm Cost
  2. First aid for fractures and dislocations: Signs and symptoms

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