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Are you concerned about how much your MRI, CT scan, ultrasound, or other imaging exam will cost you? If your insurance plan has a deductible or coinsurance, or if the exam you need is not covered by insurance, you may pay significantly more for your imaging exam at a hospital than you will pay at Metro Imaging.
- Average Charges for Imaging Exams*
- Imaging Provider
- Metro Imaging
- Local Hospital A
- Local Hospital B
- Local Hospital C
- CT Scan
The table above compares the average charges for imaging exams at several local hospitals to the average charges of Metro Imaging. The charge is the "list price" for an imaging exam, before the application of any discounts, and before any reduction to reflect the rates negotiated by your insurer. As discussed in more detail below, the actual out-of-pocket costs for each patient will vary based on a number of factors, including whether the patient qualifies for a discount, whether the procedure is covered by insurance, and, if so, whether any deductible, co-insurance or other limitation applies.
If your exam is covered by private insurance:
To control costs, your insurer negotiates with imaging providers on your behalf for a "contracted rate." The contracted rate is the maximum amount that an imaging provider can collect for a covered service, and is usually less than the standard charge. What is not widely known is that the contracted rate is not the same for all imaging providers, and the contracted rates can be higher for hospitals than for independently-owned outpatient imaging centers like Metro Imaging. At most local hospitals, you also will receive a bill for the radiologist interpretation of your exam. At Metro Imaging, our charge includes the radiologist interpretation. There is no second bill.
Contracted rates matter. If you have not met your deductible for the year, or if your plan requires coinsurance, then all or part of the charges for your imaging exam will be your responsibility. Since contracted rates vary from one imaging provider to another, and also from one insurance plan to the next, it is important to educate yourself. Before scheduling your next imaging exam at a local hospital, we encourage you to consult with your insurer about coverage, and to ask the hospital what you can expect to pay out-of-pocket, based on their contracted rate and the deductible and co-insurance of your plan. Call us to find out what you can expect to pay out-of-pocket at Metro Imaging as a point of comparison. Like many of our patients, we think you'll be pleasantly surprised. Why pay more? Choose Metro Imaging. Call and compare at 314-333-6750.
If your exam is not covered by insurance:
If you are scheduling an imaging exam that is not covered by insurance, then, subject to any available discounts, you will be responsible for 100% of the charges for your service. As you can see, the average charges of the local hospitals can be significantly higher than the average charges of an independently-owned outpatient imaging center like Metro Imaging. Before scheduling your next imaging exam at a local hospital, we encourage you to ask the hospital for their charges. You also should ask whether the hospital offers any discounts, including for partial or full pre-payment. Then call us to find out the Metro Imaging charges and available discounts as a point of comparison. Like many of our patients, we think you'll be pleasantly surprised. Why pay more? Choose Metro Imaging. Call and compare at 314-333-6750.
* Local hospital data is based on hospital outpatient billing reported by providers to the Centers for Medicare & Medicaid Services (CMS) for calendar year 2009. Metro Imaging data is based on charges for the same exams and timeframe.