The cost of an MRI scan with Blue Cross Blue Shield insurance may vary depending on your plan, deductible, copay, coinsurance, and the place of service.
An MRI provided in an outpatient hospital setting costs BCBSNC $1,975 on average, while the same scan in a freestanding facility costs $933.
Can the cost of an MRI with Blue Cross Blue Shield insurance vary based on the type of scan required?
Yes, the cost of an MRI with Blue Cross Blue Shield insurance can differ depending on the required scan type. An open MRI is cheaper than a traditional or closed MRI.
A contrast-enhanced MRI also incurs higher costs compared to a non-contrast MRI.
Moreover, the cost may vary based on the specific body area being scanned, as certain scans necessitate extensive analysis by a specialized physician.
Are there any additional fees or charges associated with an MRI when using Blue Cross Blue Shield insurance?
Yes, there may be additional fees or charges associated with an MRI when using Blue Cross Blue Shield insurance.
You might incur an additional fee for a radiologist’s assessment, where a doctor examines and explains your findings.
Sedatives, which alleviate pain and anxiety during an MRI, could also involve an extra cost. The specific type of sedation (oral, IV conscious sedation, or general anesthesia) will impact the expenses.
Furthermore, depending on your plan and benefits, there could be out-of-pocket expenses like deductibles, copays, or coinsurance.
Do Blue Cross Blue Shield insurance plans have different coverage levels for different types of MRIs?
Yes, Blue Cross Blue Shield insurance plans may have different coverage levels for different types of MRIs.
Certain plans offer distinct benefits and costs depending on in-network or out-of-network care. They may provide a Basic Option or a Standard Option.
Moreover, plans can vary in terms of copays, deductibles, or coinsurance for various scan types like open MRI, closed MRI, or MRI with contrast.
What is the difference between an in-network and out-of-network MRI?
An in-network MRI involves a provider who has a contracted rate with your insurance company, typically much lower than the out-of-pocket cost.
Conversely, an out-of-network MRI is provided by a provider who has not agreed to discounted rates with your insurance company, potentially resulting in higher expenses.
Additionally, your plan may have a higher deductible, copay, or coinsurance for out-of-network services.
Can I get a discount on an MRI if I pay for it out-of-pocket?
Paying for an MRI out-of-pocket could potentially lead to a discount, depending on your chosen provider and facility.
Self-pay patients may sometimes receive lower prices from certain providers who prefer to bypass insurance complications.
Nevertheless, it’s essential to note that this isn’t a universal scenario, hence the importance of comparing prices and quality before finalizing your MRI location.