High Deductible Insurance Plan? Here’s How to Find an Affordable MRI

MRI Machine

Finding an Affordable MRI

A deductible is an amount you pay for covered health care services before your insurance plan starts to pay. As an example, if you have a $4,000 deductible, you are responsible for paying the first $4,000 of covered services yourself out of pocket. After you pay your deductible, patients usually only pay a copayment or coinsurance for covered services. High deductible plans can often make finding an affordable MRI extremely difficult. Here’s what you need to know

Most Americans do not reach their deductibles in a given year and as a result, are responsible for paying for virtually all of their health care costs out of pocket. As an outpatient imaging facility focused solely on MRI, Express MRI is able to operate with much lower overhead than a hospital or even a multi-modality imaging center, which allows us to pass on significant savings to our patients. In addition, Express MRI is able to offer incredibly affordable MRIs because we don’t participate with health insurance payers which further reduces our overhead by eliminating administrative burdens related to pre-authorization and collection efforts from insurance companies.

It is important that patients speak with imaging providers to get a better understanding of the true cost for any procedure and to be informed about the out-of-pocket expenses that they are responsible for. In conclusion, Self-Pay Patients often save more by paying cash at the time of service as compared to using insurance when deductibles have not been reached.

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