An MRI (magnetic resonance imaging) scan is a type of medical imaging that uses powerful magnets and radio waves to produce detailed images of the inside of the body. These scans are often used to diagnose a wide range of conditions, from torn ligaments to cancer.
If you’re considering getting an MRI, you may be wondering whether your insurance will cover the cost. The answer to this question depends on a few factors, including the type of insurance you have, the reason for the MRI, and any preexisting conditions you may have.
In this blog post, we’ll explore the different types of insurance and what they cover, how to find out if your insurance will cover an MRI, and what to do if your insurance doesn’t cover the cost.
There are several different types of insurance that can cover the cost of an MRI. These include:
The first step in determining whether your insurance will cover the cost of an MRI is to check with your insurance provider. Most insurance companies have a website or customer service hotline that you can use to find out what is covered under your plan.
When you contact your insurance provider, be prepared to provide the following information:
Once you’ve provided this information to your insurance provider, they will be able to tell you whether the MRI is covered by your plan and, if so, what your out-of-pocket expenses will be.
The great news is that with a standalone clinic you can always negotiate a better rate if you pay in cash. The imaging center saves on billing costs and removes the hassle of dealing with insurance companies, so they can provide you with large discounts. You can pay as little as $225 for an MRI scan without contrast. Which means you will save up 80% vs. the list price that you will be quoted by your insurance company.
Hospitals directly refer their patients to their imaging facilities, so they are not directly motivated to provide affordable service. Especially research hospitals such as UCSF or Stanford are among the most expensive in the country. For instance, 2 years ago Stanford charged a patient $23,749 for a single MRI.
Find out the average MRI cost by your state for insured and uninsured patients.
Find out the average prices for most frequent imaging procedures:
|CPT Code||MRI procedure Type||Lowest cash price||High deductible co-pay price|
|70551||MRI Brain without Contrast||$225||$1,328|
|70552||MRI Brain with Contrast||$350||$1,692|
|70553||MRI Brain w/o & w/ Contrast||$400||$2,054|
|72148||MRI Lumbar Spine without Contrast||$225||$1,328|
|72149||MRI Lumbar Spine with Contrast||$350||$1,692|
|72158||MRI Lumbar Spine w/o & w/ Contrast||$400||$2,065|
|72141||MRI Spine Cervical without Contrast||$400||$1,328|
|72142||MRI Spine Cervical with Contrast||$225||$3,919|
|72156||MRI Spine Cervical w/o & w Contrast||$350||$2,065|
|74181||MRI Abd without Contrast||$225||$1,328|
|74182||MRI Abd with Contrast||$350||$1,692|
|74183||MRI Abd w/o & w/ Contrast||$400||$2,065|