By Can I Afford It · How we calculate this
Many of these are elective or only partly covered by insurance, so the out-of-pocket figure is the one that matters. Prices below are typical before insurance. Check what your plan covers, and whether the provider offers a payment plan, before you commit.
Up-front costs here run from about $300 (tattoo) to $450,000 (organ transplant). Recurring costs run from about $17 a month (vision insurance) to $5,500 a month (dialysis).
Typical national prices, not quotes. Financed payments are principal and interest at each item's usual down payment, rate and term, before tax, fees and insurance. 23 of these have a full calculator; any of them can be checked against your income.
| Item | Typical cost | Per month | |
|---|---|---|---|
| Addiction treatment | $20,000 | One-time | Check it |
| Back surgery | $50,000 | One-time | Check it |
| Bariatric surgery | $18,000 | One-time | Calculator |
| Botox treatments (averaged monthly) | $130/mo | $130/mo | Check it |
| Breast augmentation | $6,500 | One-time | Calculator |
| Cataract surgery | $3,800 | One-time | Check it |
| Chiropractor | $250/mo | $250/mo | Calculator |
| Cochlear implant | $40,000 | One-time | Check it |
| Cold plunge | $5,000 | One-time | Check it |
| Colonoscopy | $2,800 | One-time | Calculator |
| Concierge medicine | $200/mo | $200/mo | Check it |
| Cosmetic surgery | $7,000 | One-time | Check it |
| CPAP machine | $850 | One-time | Calculator |
| Dental implants | $4,500 | One-time | Calculator |
| Dentures | $3,000 | One-time | Calculator |
| Diabetes management | $150/mo | $150/mo | Check it |
| Dialysis | $5,500/mo | $5,500/mo | Check it |
| Facelift | $12,000 | One-time | Check it |
| GLP-1 weight-loss medication | $1,000/mo | $1,000/mo | Check it |
| Gym membership | $50/mo | $50/mo | Calculator |
| Hair transplant | $10,000 | One-time | Calculator |
| Health insurance | $550/mo | $550/mo | Calculator |
| Hearing aid | $4,000 | One-time | Calculator |
| Heart surgery | $150,000 | One-time | Check it |
| Hip replacement | $40,000 | One-time | Calculator |
| In-office teeth whitening | $650 | One-time | Check it |
| Knee replacement | $35,000 | One-time | Calculator |
| Laser hair removal package | $1,800 | One-time | Check it |
| LASIK | $5,500 | One-time | Check it |
| Liposuction | $7,000 | One-time | Calculator |
| Marriage counseling | $500/mo | $500/mo | Check it |
| Medical bill | $3,500 | One-time | Check it |
| Mommy makeover | $15,000 | One-time | Calculator |
| Nose job | $8,000 | One-time | Calculator |
| Nutritionist sessions | $300/mo | $300/mo | Check it |
| Organ transplant | $450,000 | One-time | Check it |
| Personal trainer | $400/mo | $400/mo | Calculator |
| Physical therapy | $400/mo | $400/mo | Calculator |
| Prescription medication | $150/mo | $150/mo | Check it |
| Prosthetic limb | $15,000 | One-time | Check it |
| Root canal | $1,200 | One-time | Check it |
| Service dog | $20,000 | One-time | Check it |
| Stem cell therapy | $6,000 | One-time | Check it |
| Tattoo | $300 | One-time | Calculator |
| Therapy | $700/mo | $700/mo | Calculator |
| Tummy tuck | $9,000 | One-time | Calculator |
| Vasectomy | $1,000 | One-time | Check it |
| Veneers | $12,000 | One-time | Calculator |
| Vision insurance | $17/mo | $17/mo | Check it |
| Wheelchair | $3,000 | One-time | Calculator |
| Wisdom teeth removal | $2,200 | One-time | Check it |