Typical costs: For patients covered by health insurance, out-of-pocket costs typically consist of doctor visit copays, prescription drug copays and coinsurance of 10%-50% or more, which probably would reach the yearly out-of-pocket maximum. Heart surgery typically is covered by health insurance. For patients not covered by health insurance, the cost of the most common types of heart surgery can range from less than $30,000 to almost $200,000 or more, depending on the facility, the doctor and the type of surgery.