How Much Does An MRI Cost Without Insurance?

Have you ever wondered how much an MRI costs without insurance? Read on to find out.

Magnetic resonance imaging, ordinarily called just MRI, is the best thing to exist in the field of medicine and science. With the help of some strong magnetic fields, an MRI machine can plot the hard and soft tissues of a human body. Normally it does as such by making the water in your organs produce low-level radio waves, which the machine gets and uses to make a 3-D picture of an organ or body part being checked.

MRI machines have become a fundamental piece of modern medication. They are utilized by specialists to analyze malignancy, issues of the sensory system and neurological issues, and joints, just to name a few. However, they aren’t modest. The materials engaged with building a MRI machine, also the measure of vitality and staff expected to run one, get costly.

There are many cases where a doctor can recommend you to get an MRI. However, what should you do if you do not have insurance? We have collected all important information for you to help you in such a case. So, what are you waiting for? Give this article a thorough read to find out all the cost of an MRI without insurance and what you can do in case you are not covered. Let us dive right in.

What’s the cost of an MRI without insurance?

An MRI scan is one of the most costly methods in the medical field. What is more difficult is that the expense of an MRI scan can change generally. A normal MRI costs $2,600 without insurance. However, that bill can soar contingent upon conditions, area, medical clinic and the specific output that your primary care physician runs. A few hospitals and clinics may charge as meager as $400 to $600 to run a MRI. In different conditions, the cost for even just one MRI scan can surpass $13,000.

Why is an MRI so expensive?

Even a single, cutting edge MRI machine can cost over $3 million. Indeed, even a low-power machine can cost over $1 million, and the lodging for these gadgets costs much more. An MRI imaging machine needs to work in an attractively sterile condition, with built in safety components to ensure that the ground-breaking field created by the machine doesn’t harm individuals or property close by.

Building a tidy up space for an MRI machine costs countless dollars all alone. An MRI machine is likewise costly to work. It takes a ton of vitality to run, and relying upon the scan a specialist may arrange what’s known as “contrast dye.” This attractively responsive fluid enables certain components to hang out in the last picture, and can put many dollars on the bill. The hour of the specialists and experts includes hundreds and thousands of dollars to the final bill. An expert technician must run the output and a radiologist must oversee it and decipher the outcomes. Contingent upon your clinic’s charging rehearses, these components might be packaged into one cost for the scan.

In addition to this, clinical charging can also change. It is likewise conceivable that an emergency clinic will value a MRI check not simply founded on the expenses of that examination itself, yet also dependent on different expenses of running their office. Incorporated with each bill from a clinic are the expenses of paying for general nursing staff, clinic managers, building upkeep and activities. How this is considered to be an aspect that affects the cost of an MRI scan changes from place to place, and is one reason why it’s commonly less expensive to get a scan from an imaging center instead of a medical clinic or a hospital.

How to get an MRI?

Prior to an MRI test, you can eat like you typically and keep on taking your daily medication, except if you are told otherwise. You will regularly be approached to change into a medical gown and to get rid things that may influence the magnetic imaging, for example,

  • Jewelry
  • Hairpins
  • Eyeglasses
  • Watches
  • Wigs
  • Dentures
  • Hearing aids
  • Underwire bras
  • Cosmetics containing metal particles

The MRI machine resembles a long tight cylinder that has the two ends open. You rest on a mobile table that slides into the kickoff of the cylinder. A technologist screens you from another room. You can chat with the individual via a microphone. In the event that you are claustrophobic and are scared of tight spaces, you may be given medication to assist you with relaxing. You may feel drowsy and will be less anxious throughout the procedure if you take the medication. However, the majority of the people are able to go through the MRI scan without any trouble.

The MRI machine makes a solid attractive field around you, and radio waves are aimed at your body. The methodology is easy. You don’t feel the magnetic field or radio waves, and there are no moving parts around you. During the MRI scan, the inside aspect of the magnet produces tedious tapping, pounding and different commotions. You may be given earplugs or have music playing to help block the commotion. At times, a differentiation material, ordinarily gadolinium, will be infused through an intravenous (IV) line into a vein in your grasp or arm. The differentiation material improves certain subtleties. However, gadolinium infrequently causes hypersensitive responses.

An MRI can last somewhere in the range of 15 minutes to over 60 minutes. You should keep still since any movement can obscure the subsequent pictures. During a practical MRI, you may be solicited to play out a number from little undertakings, for example, tapping your thumb against your fingers, scouring a square of sandpaper or addressing straightforward inquiries. This helps pinpoint the bits of your mind that control these activities. In the event that you haven’t been quieted, you can continue your standard exercises following the scan.

A doctor who has received special training to decipher MRIs (radiologist) will break down the pictures from your output and report the discoveries to your primary care physician. Your primary care physician will talk about significant discoveries and subsequent stages with you.

Types of MRIs

Not all MRIs are equivalent to each other. The type of MRI that is advised by the doctor relies upon a patient’s needs. While costs do shift contingent upon the part of the body getting the MRI scan and MRI head cost, the expense is most extraordinarily affected by geographic area just as the center where the scan is taking place. By and large, MRIs extend in cost from $400 to $3,500. Probably the most well-known MRI checks include:

Head MRI:

Scan of the mind and nerve tissues. It is most usually used to recognize and analyze neurological conditions.

Head MRI
A head MRI typically takes 30-60 minutes. During the test, you will lie on a table that slides into the MRI machine. You will need to stay still during the test, as movement can blur the images.

Spinal MRI:

Scan centers around specific regions of the spine to recognize wounds, nerve harm and tumors.

Spinal MRI

A spinal MRI typically takes 30-60 minutes. During the test, you will lie on a table that slides into the MRI machine. You will need to stay still during the test, as movement can blur the images.

The cost of a spine MRI can vary depending on the facility, but it is typically around $1,000-$3,000. Some insurance companies may cover the cost of the test if it is deemed medically necessary.

Cardiovascular MRI: Scan of the heart and significant veins to evaluate heart wellbeing and capacity. Pictures in a heart MRI can be still or moving.

Cardiovascular MRI
A cardiovascular MRI typically takes 30-60 minutes. During the test, you will lie on a table that slides into the MRI machine.

The cost of a cardiovascular MRI can vary depending on the facility, but it is typically around $1,000-$3,000. Some insurance companies may cover the cost of the test if it is deemed medically necessary.

Pelvic MRI:

Scan of the region of the body close to the hip bones. Notwithstanding the pelvic bones, the sweep additionally shows pictures of the bladder, lymph hubs and reproductive organs.

Pelvic MRI
A pelvic MRI typically takes 30-60 minutes. During the test, you will lie on a table that slides into the MRI machine. You will need to stay still during the test, as movement can blur the images.

Experts perform MRIs on different areas of the body also, including knees, lower legs and wrists. These are regularly more affordable than MRI outputs of internal organs. It is likewise regular for patients to require a full-body MRI, which can be both tedious and costly.

The cost of a pelvic MRI can vary depending on the facility, but it is typically around $1,000-$3,000. Some insurance companies may cover the cost of the test if it is deemed medically necessary. MRI is generally safe and does not pose any major health risks. However, some people may

Does your location affect the cost of an MRI?

The state where you belong e.g (MRI cost Florida, MRI Arizona, MRI cost in Texas or MRI cost in California) are vary and get your MRI from can likewise influence the total expenses. Most of the time, it’s more affordable to get a MRI at an independent facility that centers around imaging, and it’s more costly to get a MRI at a medical clinic or hospital(e.g MRI in San Francisco). Medical clinics have more overhead than centers, and that all will in general get folded into the cost. It’s likewise essential to take note of that if the medical clinic has an emergency center, that can drive up the expense. Emergency centers are committed to treat patients whether or not they have protection, and when patients don’t have inclusion, the emergency clinic by and large just loses those assets. At last, that needs to get consumed by different offices at the medical clinic.

Interestingly, private and/or independent centers commonly just observe individuals with coverage or those who can stand to pay cash from their own pockets. Therefore, these offices don’t need to blow up their expenses to cover patients who can’t take care of their tabs. In the event that you need to get a good deal on your MRI cost, you might need to go to an independent facility instead of a medical clinic. You may likewise need to do some correlation shopping and search for an office that is happy to offer money limits or installment plans.

How to get a cheap MRI without insurance?

MRI scans can distinguish an immense scope of medical problems, and if your doctor has suggested an MRI, you ought to get one. Tragically, however, these tests can be costly. In case you’re stressed over the expense of an MRI, here are a few things you could do that might help you save a few bucks:

Do not go to the Emergency Room

In the event that conceivable, don’t get your MRI in a trauma center. Crisis offices are infamous for being the most costly aspect of the clinic to run. These divisions need to look after staff, hardware, and framework on a day in and day out premise which can be costly all alone, however they are likewise legitimately needed to treat all patients, whether or not or not they have protection. Subsequently, trauma centers stall out with a ton of unpaid bills, and to cover those misfortunes, they need to build their different costs.

Go to a Freestanding Imaging Clinic

Preferably, to keep the expense of your MRI as low as could reasonably be expected, you should go to a detached facility. These offices frequently don’t have the bartering intensity of enormous clinics. Accordingly, they need to charge rates that safety net providers will pay, and frequently, their rates are directed by Medicare, which assists with keeping them low.

Past that, these focuses utilize their imaging hardware all day consistently. That implies that there are more patients to pay, and the imaging community can spread the expenses for hardware support and upkeep between a few patients. Interestingly, if a trauma center or an emergency clinic just uses their gear on occasion, they need to spread the expenses between only a small bunch of patients. That drives up costs.

How much is the copay for an MRI?

Magnetic resonance imaging utilizes an intense magnetic field and radio waves to make pictures of the body. MRI scans are utilized to distinguish anomalies, contaminations, wounds, tumors and other clinical issues. At times, the results from an MRI can deliver even more clear pictures than an X-ray or CT scan. Most MRIs are normally secured by health care coverage when considered therapeutically fundamental. In the event that deductibles are met, common out of pocket charges comprise of copays of $20-$100 for the doctor’s visit and for the entire process.

Can I get an MRI scan without a referral?

Like conventional imaging places your primary care physician can arrange the output and get the outcomes legitimately in the event that you like, yet you can likewise arrange the MRI filter yourself by booking your own Private MRI scan without doctor’s recommendation and see a specialist if the assessment is anomalous. On the off chance that you do require a specialist we can assist you with finding the correct proficient to help treat your indications.

Notwithstanding, some imaging habitats require a physician’s instruction before they can plan your MRI. Hence, you can explore different online websites where you can get a referral from a specialist who will survey your case and afterward send the request if clinically suitable.

What is an MRI scan used for?

Given below are the examples given of situations in which an MRI scanner would be utilized:

  • any abnormality of the brain and spinal cord.
  • tumors, cysts, or other abnormalities.
  • breast cancer screening.
  • any anomaly shoulder MRI or injury of the joints, such as the back and knee.
  • certain types of heart problems.
  • liver diseased or any problems in any other abdominal organs.
  • the analysis of pelvic pain in women, such as fibroids and endometriosis.
  • suspected uterine irregularities in ladies going through assessment for infertility.

How much does an MRI for different body parts cost?

Have you ever wondered how much is brain MRI costs? How much does an MRI for the shoulder cost? And, what about the heart? How much MRI test charges ?How much MRI breast cost? The cost for MRI scan depends on various factors such as the specific parts of the body that are receiving the scan like CT chest scan cost (MRI brain cost, cost of Head MRI scan, cost of Spinal MRI, etc.), the type of approach that is administered; plain or contrast.

Here is a list of the MRI costs MRI scan rates and MRI prices of different organs and body parts:

Body parts and Organs  MRI Prices
Brain MRI  $1600 – $8400
Pelvis MRI $500 – $7900
Chest/ Thorax MRI $500 – $7900
Shoulder MRI $400 – $700
Neck MRI $500 – $11800
Whole Spine MRI $1000 – $5000
Abdomen MRI $1600 – $7600

MRI Frequently Asked Questions (FAQs)

Below we have answered a few frequently asked questions to help you better understand MRI procedures. 

What is an MRI?

Magnetic resonance imaging (MRI) is a medical imaging technique that uses magnetic fields and radio waves to produce detailed images of the body.

MRI is used to diagnose a variety of conditions, including cancers, cardiovascular disease, and neurological disorders. It is also used to examine the body for signs of injury or disease.

Why and when do doctors recommend MRI?

MRI is recommended for a variety of reasons. It can be used to diagnose conditions, track the progression of diseases, and evaluate the effectiveness of treatments.

MRI is often recommended when other imaging tests, such as X-rays or CT scans, do not provide enough information. MRI may also be recommended if a condition is suspected to be present, but its location is unknown.

When MRI is used?

MRI is used to diagnose a variety of conditions, including:

Cancers: MRI can be used to detect tumors and determine their size, shape, and location.

Cardiovascular disease: MRI can be used to assess the health of the heart and major

Who should avoid getting an MRI Scans?

People with certain medical implants, such as pacemakers, may not be able to have an MRI. Pregnant women and young children may also need to avoid MRI due to the potential risks.

What are the risks of MRI?

MRI is generally safe and does not pose any major health risks. However, some people may experience claustrophobia or anxiety during the test. Additionally, people with certain medical implants, such as pacemakers, may not be able to have an MRI. Pregnant women and young children may also need to avoid MRI due to the potential risks.


Now that you know about the cost of an MRI without insurance, you are aware of how much you will have to pay. So, what are you waiting for? Go and get yourself checked and stay healthy.

Tony Bennett

Tony Bennett

Tony Benett makes his living in the insurance industry by teaching and consulting. He is also recognized by the legal profession as an expert on insurance coverages. His insurance experience includes having worked at the company level, owned an independent general agency and having worked for an insurance association. He has received various certificates over the past few years and helps his clients and readers by giving them a realistic outlook on what they can expect to achieve within their set targets. At Insurance Noon, he is known for his in-depth analysis and attention to details with accuracy. He has been published as one of the most referred agents by his peers in the insurance community. Tony loves the outdoors and most sport events. His passion other than providing excellent advice is playing golf.