Are you looking for information on how much an MRI test might cost you without health insurance? Many people are in the same situation since they have some symptoms, and the doctor has recommended an MRI to make a diagnosis.
The problem is that many people today live in the United States without health insurance. In our blog, we have told you on some occasions what the insurance prices are and why in some States it costs more than in others.
If you find yourself in a situation where you need to have an MRI and you don’t have insurance, we recommend reading this article to find out how much you would have to pay. We also recommend it if you have insurance but want to ensure it covers the magnetic resonance’s costs.
How much money should you pay for an MRI without insurance?
If you do not have health insurance, you will have to pay an amount for your MRI test that ranges from $375 to $2,850. This will depend on many factors, and we are going to explain them all so that you can get an idea of how much you would have to pay when the doctor recommends this diagnostic test:
- An MRI can cost more or less money depending on where on the body you have it done. This means a brain MRI is not the same as a general, abdominal, or breast MRI. For example, those for the brain or the breasts are much more expensive than those for the bones or the pelvic area, which are somewhat cheaper.
- It will also depend a lot on where you live, that is, the State or the country in which you are and if you are in a city or not. There is quite a difference between some States; for example, one of the places where MRI is the most expensive is New York City. In comparison, this test is considerably cheaper in Los Angeles or Houston, Texas.
- And in addition, there can also be a lot of differences between the different facilities where you can do the MRI. It is not the same to take the test in a large hospital, where you are admitted, as in an outpatient clinic where it is a faster test. In this sense, hospitalization costs are also taken into account.
In either case, if you don’t have health insurance, you will have to pay a certain amount to get an MRI done. You may be lucky enough to get it as cheap as possible, and only pay between 300 and 400 dollars, or several circumstances come together, and you must pay almost $3,000.
Information on whether your insurance covers the MRI test
In principle, you would not face this problem if you had health insurance for some time. Medical insurance monthly payments are used to pay for health coverage when you have a health problem. However, depending on the type of insurance you have and the amount paid, you will have more or less coverage.
For all this, you cannot take for granted that having medical insurance will cover your MRI. It would be useful to get all the information available about your insurance and what you are protected against. In some cases, it is covered by insurance because it is considered an essential diagnostic test, needed to find out what is wrong with you.
But in other cases, some insurance companies do not cover it, and even if you have health insurance, you will have to pay for your MRI. In this case, all the information we have told you here will come in handy to find out the price of this test and how the location of the clinic and your residence affects it.