re: Shoulder surgery cost...bananas.

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The andrews institute in Pensacola is super expensive in general because so many pro athletes have paid ridiculous money to get surgery there. My arthroscopic shoulder procedure was no more than $15,000 without insurance. The idea of paying $50,000+ for shoulder surgery is absurd unless you’re a multi-millionaire who has hundreds of thousands of dollars worth of disposable income

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Depends on how bad your shoulder is.

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so many pro athletes have paid ridiculous money to get surgery there

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Pro athletes' getting treated at the Andrews clinic are actually workers compensation claims (i.e. caused by work-related injuries). Those medical costs are subject to the workers comp statutory reimbursement rates, which are by far the lowest of all possible reimbursement schedules.

Your shoulder repair (as an employee in a typical employer health insurance plan) was probably more profitable (performed at a higher negotiated rate) than the same procedure for off-season surgery for the QB of your favorite team.