Tests tell the tale of what’s going on with your body and are often essential for making a diagnosis. But imaging tests like MRIs and CT scans can be pricey. Total costs for an MRI can range from roughly $700 to more than $5,400 depending on your location, health insurance plan, and other factors.
A CT scan can cost between $300 and $3,280 depending on what body part is scanned, whether or not you have insurance, where you live, and whether dye is used, among other factors.
While insurance typically covers a significant portion of these tests, it’s still possible to negotiate lower prices. Research the average costs of the tests your doctor wants you to have, shop around, and get several price quotes. Take advantage of online comparison tools like Healthcare Bluebook and Hospital Cost Compare that provide information about the cost of tests and procedures at different locations.
Another helpful site is Turquoise Health, which allows you to look up the total cost of care for common services at providers in your area. After inputting your insurance information, you’ll get an estimate of your out-of-pocket expenses after insurance pays their part.
Some insurers, like Aetna and UnitedHealthcare, also have offerings like this. Find out if the cheaper options are available under your insurance, and ask your doctor to send you to these providers. You can also ask your insurer if they can negotiate a lower price for a test with their providers.
If you’re uninsured, request a good faith estimate from your provider so you’ll know what to expect and where to start your negotiation price.
And don’t be shy about asking your doctor if there are tests that could provide essential information at a price that better fits your budget.
The facility where you get your test done can make a difference as well. “Visiting a freestanding imaging center can be cheaper than similar services at a hospital,” says Ariela Simerman, the senior director of product at Turquoise Health.
Finally, always remember to get pre-authorization from your insurance for all procedures.
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