High Deductible Insurance, No Insurance: MRI Scan Pricing

When you have no insurance, MRI scan costs — like any medical procedure — can be intimidating. Even if you have coverage, high-deductible plans might leave you dreading your next medical imaging payment.

Well, fear no longer. There’s very good options for people who lack sufficient coverage to pay for the diagnostic benefits of an MRI scan. Before we get to the solution, though, let’s take a deeper look into the problem of paying for diagnostic imaging without insurance.

How Many People with No Insurance Need MRIs?

As of the first quarter of 2017, 11.3 percent of the adults in the United States had no health insurance at all. That’s more than 8 million people.

In 2015, 118 MRI scans per 1,000 people were performed in the United States. The number of scans has likely risen since then, but even using these figures, more than 900 people who lack health insurance will need to find a way to pay for their MRI scans this year.

Add to that the patients who have high-deductible insurance plans and the problem quickly balloons out of control. High-deductible plans, in which patients must meet a demanding threshold in medical spending before insurers begin to pay for services, are on the rise.

A Kaiser Family Foundation study found that out-of-pocket costs for patients rose by nearly 230 percent between 2006 and 2015. Deductibles for insurance plans offered by employers rose by 67 percent between 2010 and 2015.

While a reliable number of people who have high-deductible plans is tough to nail down, these statistics tell us that it’s a widespread phenomenon. And the problem is growing. Luckily, we have a solution.

Out-of-Pocket MRI Scan Costs

When you have a high-deductible plan, or no insurance at all, you might be better off paying your provider directly. The secret to finding a truly affordable MRI is to find a facility that offers a direct cash price.

Cash pricing allows imaging centers to bypass the time, labor, and expense of working with insurance companies. As a result, the costs can be surprisingly low.

At BestPriceMRI.com, we offer cash pricing for all of our diagnostic imaging services. While an MRI in the Los Angeles area can easily cost over $2,000 out-of-pocket, our agreements with the same facilities that the hospitals use can drop those prices as low as $249—and even lower in some cases.

The savings come from our negotiated cash pricing, not from cutting corners. Board-certified radiologists and experienced, friendly technologists complete high-quality scans on powerful new machines. We send results to you and your doctor so you’re ready to move on with your care plan as soon as possible.

You shouldn’t have to choose between your health and your mortgage. Just call BestPriceMRI.com at 888-322-7785 to schedule your low-cost MRI today. With our negotiated cash prices, even if you have no insurance, MRI scan pricing can work for you.

References:

QuickFacts.Census. United States Census Bureau, 1 July 2016. Web. 23 June 2017.

Magnetic resonance imaging (MRI) exams.” OECD. Organisation for Economic Co-operation and Development, 2014. Web.

Murphy, Brooke. “21 statistics on high-deductible health plans.BeckersHospitalReview. Becker’s Healthcare, 19 May 2016. Web. 23 June 2017.

Thomas, Lauren. “The number of Americans without health insurance rose in first quarter 2017.CNBC. CNBC, 11 Apr. 2017 Web. 23 June 2017

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