The first thing to do is meet with the hospital or surgical center where you'll have the operation done. Let them know your concerns and ask them to work with you to find creative ways to reduce your costs. Even something as simple as making your own cold packs or using your own supplies can make a difference.

Let your doctor know your situation. Health care professionals can give patients a discount. A recent report from McGill University showed extreme variations in the cost of the joint implant from one hospital to another in the United States.

Ask your doctor for a price quote on different types of implants. He or she may be able to get a discount from the supplier as well.

Finally, follow all of your doctor's advice carefully. This can help you avoid costly complications. You may be able to go home early if you have good family support. Even one day of hospital expenses saved can add up in terms of costs.