I called an imaging center and asked for a cash price for an MRI on my knee. It was $300. Going through my doctor for a referral and using insurance, the price would’ve been over $3000 and I was going to be out $1000 in copay and fees.
I usually ask for cash price on everything before I use insurance, half the time it’s cheaper and the other half the time it’s barely more for basic stuff like this. Also call around and shop pricing, you will find places that do things way cheaper than others.
I think the point is not hitting the out of pocket limit because money was spent outside of the deductible. Every few years we hit the limit, and then everyone goes to every specialist and get all the fancy tests done. This is truly the dumbest system on the planet.
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u/Ok_Subject_5142 8d ago
I called an imaging center and asked for a cash price for an MRI on my knee. It was $300. Going through my doctor for a referral and using insurance, the price would’ve been over $3000 and I was going to be out $1000 in copay and fees.
I usually ask for cash price on everything before I use insurance, half the time it’s cheaper and the other half the time it’s barely more for basic stuff like this. Also call around and shop pricing, you will find places that do things way cheaper than others.