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Written and medically reviewed by Dr. Edward Gheiler, MD, FACS — August 21, 2026
Home › Penile Implants › Cost & Insurance
Penile Implant Cost & Insurance Coverage
The most common question men ask before penile implant surgery is not about the operation — it’s “what will this cost me?” The honest answer: for most men, far less than they fear, because the surgery is usually covered by insurance.
How much does a penile implant cost?
For most patients, very little out of pocket: when erectile dysfunction has a documented medical cause, inflatable penile implant surgery is typically covered by insurance — including Medicare. Without coverage, self-pay for an inflatable (AMS 700) implant generally runs $20,000–$25,000 all-in — surgeon, device, facility, and anesthesia. Financing, including CareCredit and United Credit, is available.
Most penile implants are covered by insurance
Inflatable penile implant surgery is a medically recognized treatment for erectile dysfunction that has not responded to pills, injections, or other therapy. When medical necessity is documented, Medicare covers the procedure, and many commercial plans (Aetna, BCBS, Cigna, United, Humana) do as well — subject to each plan’s exclusions and prior authorization, so coverage is not guaranteed until verified. Dr. Gheiler’s team verifies your individual benefits and handles the prior-authorization paperwork on your behalf.
What actually determines your out-of-pocket cost
- Your plan’s deductible and how much of it you have already met this year
- Coinsurance and your plan’s out-of-pocket maximum
- Whether the surgery is primary placement or a more complex revision case
- Facility and anesthesia coverage under your specific plan
Because these factors are individual, the practice confirms your numbers with your insurer before surgery is scheduled — you will know where you stand first.
No insurance, or a plan that won’t cover it?
For self-pay patients, the all-inclusive fee for an inflatable (AMS 700) penile implant is typically $20,000 to $25,000 — surgeon, device, surgical facility, and anesthesia. Financing options, including CareCredit and United Credit, can spread that into monthly payments.
Self-pay arrangements and financing options are available and reviewed openly at consultation. Choosing a surgeon by experience — not by the lowest quote — matters most in implant surgery, where revision of a poorly done implant costs far more than doing it right the first time. Dr. Gheiler performs 400+ implant procedures a year.
Coverage details vary by plan and are confirmed individually at consultation. This page is patient education, not a quote or a guarantee of coverage.
Spreading the cost over monthly payments
United Credit offers financing for self-pay patients. Applying does not affect your credit score, and you will see your terms before you commit.
Frequently asked questions
Does insurance cover penile implant surgery?
Often, yes. Medicare covers inflatable penile implant surgery when medical necessity is documented, and many commercial plans (Aetna, BCBS, Cigna, United, Humana) do as well, subject to each plan's exclusions and prior authorization. Coverage is not guaranteed until verified: Happy Urology checks your individual benefits and handles prior authorization on your behalf.
Does Medicare cover a penile implant?
Yes. Medicare covers penile implant surgery for documented erectile dysfunction that has not responded to more conservative treatment. Dr. Gheiler’s team documents medical necessity and manages the paperwork.
What determines my out-of-pocket cost?
With insurance, it depends on your plan’s deductible, coinsurance, and out-of-pocket maximum — not on a single sticker price. The practice verifies your individual coverage before surgery so there are no surprises.
How much does a penile implant cost without insurance?
Self-pay inflatable (AMS 700) penile implant surgery with Dr. Gheiler typically runs $20,000 to $25,000 all-in — surgeon, device, facility, and anesthesia. Most patients never pay that: when ED has a documented medical cause, insurance (including Medicare) typically covers the procedure. Financing, including CareCredit and United Credit, is available.
What if I don’t have insurance or my plan doesn’t cover it?
Self-pay arrangements (typically $20,000–$25,000 for an inflatable implant) and financing options, including CareCredit and United Credit, are available. Costs and options are reviewed openly at consultation.
Planning to have the surgery in Miami?
Cost is one part of the decision; where and with whom you have the surgery is the other. The local guide covers what a Miami visit with Dr. Gheiler looks like, for South Florida patients and for men traveling in.
See also: penile implant surgery in Miami
Find out exactly what your plan covers
Request a confidential consultation — Dr. Gheiler’s team verifies your coverage before anything is scheduled. English · Spanish · Hebrew.
Private and confidential from your first call: these are problems our office treats every day, with discretion and respect.
Call (305) 822-7227
