How Much Does MRI Scan Cost?

Cost Breakdown by Type

CPT/ADA Code: 70553

What Affects the Cost

• Facility type (freestanding center vs. hospital — hospitals cost 2-3x more)
• Geographic location
• Complexity of the visit or test
• Whether additional tests or procedures are needed
• In-network vs. out-of-network provider
• Time of day (emergency/after-hours may cost more)

Insurance Coverage

Typical coverage: Covered when necessary; deductible + 20-40% coinsurance

Most diagnostic tests and urgent care visits are covered when medically necessary with a doctor's order. You'll pay your deductible first, then coinsurance (typically 20-40%). Preventive screenings are covered at $0 under the ACA. Always use in-network providers to avoid surprise bills.

How to Save Money

• Freestanding facilities cost 50-70% less than hospital-based
• Ask for cash-pay pricing upfront — often 40-60% less than billed rate
• Compare prices on MDsave.com or Healthcare Bluebook
• Use urgent care instead of ER for non-emergencies (save $1,000+)
• Telehealth visits cost $50-$100 for many conditions
• Check if the service qualifies as preventive care ($0 with insurance)

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