Medically reviewed by Dr. Edward Gheiler, MD, FACS — July 5, 2026
HomePenile 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, 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 and major commercial plans (Aetna, BCBS, Cigna, United, Humana) cover the procedure. 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, 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.

Frequently asked questions

Does insurance cover penile implant surgery?

In most cases, yes. Medicare and major commercial insurance plans (Aetna, BCBS, Cigna, United, Humana) cover inflatable penile implant surgery when medical necessity is documented. Happy Urology 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, 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, are available. Costs and options are reviewed openly at consultation.

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.

Call (305) 822-7227