There's no universal answer — but the decision usually breaks down along four axes: how long relief needs to last, what came before, what your surgical timeline looks like, and what your insurance will cover.
How long relief needs to last. If you need to function in 48 hours — for work, a family event, travel — cortisone wins on speed. Onset is 24–48 hours, peak relief at 2–4 weeks. If you want one procedure to hold for 6 months or more, ablation is the structural answer. The lesion doesn't fade like a steroid effect; the nerves have to physically regrow before the pain signal returns.
What came before. If cortisone has worked durably and you've only had 1–2 shots, the simplest move is another well-timed injection. If you've used 3–4 cortisone shots in the past year and the benefit is getting shorter each time, we treat that as a signal — the inflammatory model isn't carrying you anymore, and it's time to consider a nerve-targeted approach.
What your surgical timeline looks like. If you and your surgeon have decided knee replacement is happening in the next few months, neither procedure is going to change that. If you're trying to defer TKR for 1–3+ years (you're young, you're active, you're not done with the knee yet, or you're a poor surgical candidate), ablation buys real time. We can repeat the ablation when the nerves grow back, often indefinitely.
Insurance. Both are typically covered, but the path is different. Cortisone is a same-visit decision. Ablation requires prior authorization plus a diagnostic genicular nerve block — a temporary numbing injection that predicts whether the radiofrequency procedure will actually work for you. We don't ablate without that data.