The financial cost of a broken bone can vary depending on several conditions. One thing is for certain, no broken bone is cheap. It makes it easy to see why it is common for people to seek a personal injury attorney when suffering a bone break at the hands of someone else’s negligence.
There are several factors that determine the true financial cost of a broken bone. While it might seem like location of the bone is the biggest determining factor it proves to be just one consideration, and not always the costliest factor. Another misconception that arises when determining the financial cost of a broken bone is that the cost end once the limb has been set and or placed in a cast. The reality, healing is often more expensive that the initial treatment of the break.
Initial Costs of Treating a Break
When it comes to the initial costs of treating a break whether or not you have insurance has the biggest influence on the price tag. Prices can escalate between 25 and 100% more without insurance than the price of your hospital visit with insurance. This is a hefty increase, but what will cause the initial cost of treating a bone break to escalate is the need for surgery. A bone break that requires surgery can cost up to eight times more than that same bone break that does not require surgery. These are costs increases that are painful with or without insurance.
Financial Costs of Healing and Recovery from a Bone Break
This is where prices begin to soar. Again, it is quite difficult to say just how much it will cost to heal a specific break. These costs vary from person to person even when comparing the exact same break between people. These costs vary because of the difference in each person’s ability to heal and the level of activity of each person. Someone who has a sedentary occupation might have more time to heal than a person whose job entails manual labor.
It is also important to mention that the type of job a person holds determines if a break will cause them to miss work. It stands to reason that the costs involved for a person who misses work because of the injury will be more than the costs of someone who does not miss work. This is also perhaps when the location of a break has a bigger determining factor in costs. A larger bone will take longer to heal than a smaller bone. Likewise, a bone that does not bear weight will be easier to rehabilitate than one that does.
No matter what, bone breaks can cost the inured a great deal, both to your finances and otherwise.