A total knee replacement is about $16,000 at the Surgery Center of Oklahoma. They post their prices online: https://surgerycenterok.com/pricing/total-knee-arthroplasty-knee-replacement/
Why do you need a knee replacement? Maybe you don’t? Have you gotten a second opinion?
My knee is bone-on-bone. There is a gel of some kind that can be injected, but I have done some reading and if you are bone-on-bone then it doesn’t adhere to anything and doesn’t help. It’s painful to use and is really restricting me. Sadly, I don’t even have the option of getting off of their list and paying to have it done privately.