Does Medicare pay for an MRI?

Asked by: Emelia Schimmel  |  Last update: December 12, 2025
Score: 5/5 (66 votes)

Medicare Part B may cover 80% of the cost for a medically required magnetic resonance imaging (MRI) scan ordered by a doctor. However, both the doctor and the facility performing the scan must accept Medicare patients.

How much does an MRI scan cost privately?

How much is an MRI Scan? Prices start at €280, however, the exact price you can get will depend on how many areas were scanned and whether or not you required contrast.

Does MRI be covered by Medicare?

Medicare, through the MBS, covers many diagnostic imaging services, such as: magnetic resonance imaging (MRI) nuclear medicine scans like positron emission tomography (PET) ultrasounds.

What is the cheapest way to get an MRI?

To save money on an MRI, shopping around for the best price by comparing costs at different facilities is essential. Independent imaging centers often offer lower rates than hospitals, and many provide cash payment or self-pay discounts, especially for those without insurance or with high deductibles.

Why is an MRI not covered by insurance?

In the absence of a referral, the MRI may not be considered medically necessary, reducing the likelihood of insurance coverage. Patients seeking an MRI without a referral often have to self-pay for the service.

5 Things Medicare Doesn't Cover (and how to get them covered)

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Why would Medicare deny MRI?

When does Medicare not cover an MRI scan? MRI scans are not covered under Medicare if there is no prior authorization from a doctor or if the order was not received from your healthcare provider. Additionally, if the facility providing the MRI scan does not accept Medicare, the service will not be covered.

Do you need prior authorization for MRI with Medicare?

Medicare requires that an eligible healthcare provider, such as a doctor, nurse practitioner, or specialist, order the MRI scan. The provider must be qualified to bill Medicare for services. The order serves as documentation of the medical necessity of the MRI and is essential for Medicare billing purposes.

What services are not covered by Medicare?

Some of the items and services Medicare doesn't cover include:
  • Eye exams (for prescription eyeglasses)
  • Long-term care.
  • Cosmetic surgery.
  • Massage therapy.
  • Routine physical exams.
  • Hearing aids and exams for fitting them.

Can I book an MRI without a referral?

Most insurance companies require MRI referrals from a licensed healthcare provider. Some imaging labs also require a referral before you can book an appointment. A referral validates the scan's necessity for the patient's health. If you're insured, a referral helps ensure that some or all of your imaging is covered.

What are the side effects of an MRI scan?

Sometimes the contrast agent can cause side effects, such as:
  • feeling or being sick.
  • a skin rash.
  • a headache.
  • dizziness.

Is a private MRI worth it?

Private MRI scan centres typically offer faster results than traditional hospital-based imaging centres. At Vista Health, for example, patients can receive their results within 3 working days of their scan, allowing for prompt follow-up care if necessary.

How long does it take to get an MRI approved by insurance?

Normally, your medical organization or health plan has three to five days to approve or reject your request. You should be able to arrange an appointment within 96 hours if you require a quick appointment for a treatment that needs prior approval.

What blood tests does Medicare not cover?

It's important to know that Medicare won't cover any blood test if it isn't medically necessary. If you seek a blood test on your own, it's unlikely you'll get it covered. Tests not covered may include those for employment purposes, wellness screenings, or routine monitoring without medical necessity.

How much does an MRI cost with Medicare?

But most people with Medicare pay significantly less than the average cost. Medicare's Price Lookup tool shows that the out-of-pocket cost of an outpatient MRI scan in a doctor's office or another non-hospital facility averages $9. Some people pay less, while others pay more.

What happens if you don't get prior authorization?

You'll be stuck paying the bill yourself. Assuming you're using a medical provider who participates in your health plan's network, the medical provider's office will make the prior authorization request and work with your insurer to get approval, including handling a possible need to appeal a denial.

How do I get insurance to authorize my MRI?

It is important to note that insurance coverage for MRIs often requires pre-authorization or approval from the insurance provider. The healthcare provider or facility typically initiates this process, providing necessary medical information to justify the medical necessity of the MRI.

Why is my insurance not covering MRI?

Insurance denials for MRI scans or surgeries can happen due to various reasons, such as pre-authorization requirements, medical necessity disputes, or administrative errors. It's important to remember that denial doesn't necessarily mean you won't receive the necessary care.

How much does an MRI cost without insurance?

The range of MRI scans charges is broad, depending on the body part to be scanned. Nevertheless, an average scan costs between $200 to $700, unless multiple procedures are requested at once. Some examples of services we provide include brain scans and lumbar MRIs that cost $200+.

Who may not be eligible for an MRI?

For these reasons, MRI is generally not performed if you have one of the following: +Cardiac pacemaker* or other implanted electronic devices. +Certain types of cerebral aneurysm clips. +Certain types of metallic implants.

Is MRI covered by Medicare?

Medicare subsidies for diagnostic imaging

For services listed on the Medicare Benefits Schedule (MBS), Medicare covers some or all of the costs of: CT scans. nuclear medicine scans. MRI scans.

What if I can't afford an MRI?

The best way to keep down the cost of your MRI is by scheduling your scan at an independent imaging clinic, like Burbank Imaging and Open MRI. Standalone imaging facilities usually have lower rates since they typically charge rates the biggest insurers, like Medicare, will pay.

How to know if insurance will cover an MRI?

You can also contact your insurance provider to enquire about MRI coverage and request a list of in-network imaging centers or radiology providers. Some companies also have online directories where you can add your location to identify covered MRI providers.