ACL surgery is expensive and plays a large role in the decision of whether or not to have surgery. Insurance companies and coverage varies. It’s wise to get the exact billing codes from your doctor and give these codes to your insurance provider to see if its covered in your plan. Be as specific as possible, for example, besides the codes, note the estimated duration of the surgery, if the doctor will have an assistant and if billed individually, and the anesthesiologist, physical therapy rehab, ice machines (cyrotherapy), leg braces, crutches, pain killers or any other prescriptions, and any other costs. Get it all and be detailed so you don’t have any surprises.