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Medical Procedure Planner — Go in knowing what it will cost.

The procedure, the appointments, prescriptions, supplies and therapy, travel and a place to stay — against your deductible and out-of-pocket max — with every pre-op step and recovery check-in on one timeline.

  • Free to start
  • No sign-up to try
  • Plan together
An older man walking a riverside path in autumn
Knee surgeryColumbus, Ohio · insured

Everything in one plan

The estimates, the pre-authorization, the appointments and the recovery plan usually live in four places. Here they’re one.

Includes a care checklist.

Idea board

Weigh the options before you commit.

The in-network surgeon, an outpatient center rather than the hospital, six weeks of prehab, renting the CPM machine, a second opinion. Keep each with a photo, a price and a note.

“Same surgeon, about $1,900 less, home the same day.”An idea on the board of the “Knee surgery” example
  • Surgeons, facilities and recovery options on one board
  • Track each one: considering, researching, contacted, shortlisted
  • Pass on the ones that won’t work, without losing them
Start an idea board →
The procedure idea board with a photo of each option, then the second opinion opened: Idea board

Idea board 1/2

A physiotherapist walking alongside a patient in a clinic

Procedure budget

The surgery is one bill. Plan for all of them.

The procedure, consults and pre-op labs, prescriptions and supplies, physical therapy, the drive and a hotel near the hospital — each one quoted, scheduled or paid.

$12,750 · Treatment $8,000 · Travel & extras $2,700 · Prescriptions $900 · Home care $900The “Knee surgery” example’s budget
  • Insured, high-deductible or self-pay
  • Quoted, scheduled, done and paid
The procedure budget by area, then the surgery and appointments in pictures: Procedure budget

Procedure budget 1/2

An older couple smiling as they leave a clinic

Timeline

From the first consult to walking again.

The consult, insurance pre-authorization, in-network checks, records and forms, pre-op labs and day-of instructions — then the procedure, discharge, physical therapy, the follow-up and a recovery check-in.

First consult with the surgeon · Insurance pre-authorization · Confirm in-network billing entitiesThe “Knee surgery” example’s timeline
  • Every step dated back from the procedure
  • Claims and EOBs tracked after
The consult and paperwork in pictures, then physical therapy and the recovery check-in: Consult to pre-op

Consult to pre-op 1/2

A patient walking between parallel bars with a physiotherapist

Recommendations

What to ask before the bills arrive.

Which of the surgeon, the facility and the anaesthetist bill you separately, what pre-authorization needs and how long it takes, what recovery needs at home, how to choose a surgeon, and what to ask before scheduling. Open one and it answers for your plan, with its own numbers and dates.

Which of the surgeon, the facility and the anaesthetist bill you separatelyA guide in the “Knee surgery” example’s recommendations
  • Billing, pre-authorization and choosing a surgeon
  • Home setup for recovery
Recommendations for planning a knee replacement, then one opened and answered: A guide, answered

A guide, answered 2/2

Start with the date you’re given.

Free to start. No sign-up to try.

Start your procedure plan →

About the Medical Procedure Planner

Medical costs are hard to budget because the bill depends on your insurance as much as the care. This planner scales big-ticket items by both the scope of care and your out-of-pocket share, and anchors everything to the procedure date — consults and labs before it, follow-ups and recovery after it — for surgery, dental work, therapy, fertility, a birth, or a pet procedure.

The procedure itself carries a deposit-plus-balance payment schedule, and universal groups cover providers, appointments, prescriptions, recovery supplies, insurance paperwork, and travel. Edit every line in place, then save, share, or export to CSV or PDF.

What you can do

  • Covers surgery, dental, therapy, fertility, birth, and pet care
  • Big-ticket items scale by scope and your insurance out-of-pocket share
  • Consults, labs, and follow-ups dated relative to the procedure
  • Deposit and balance payment schedule on the procedure
  • Save, share, CSV, and PDF export

Frequently asked questions

How does the planner handle insurance?

You set your out-of-pocket share — a high-deductible plan and a generous one produce very different totals for the same procedure — and the big-ticket lines scale accordingly. It is a planning estimate, not a claim calculation; confirm coverage details with your insurer.

Can it plan how the bills arrive?

Yes. The procedure carries a deposit-plus-balance schedule, and appointments, prescriptions, and recovery costs sit on real dates around the procedure day, so you can see when money actually leaves rather than just the total.

Related calculators

Other planning tools that pair well with the Medical Procedure Planner.

Photos by Centre for Ageing Better, Ortopediatri Çocuk Ortopedi Akademisi and Hannah Fleming-Hlll on Unsplash.