Most insurance plans cover MRI scans when they are medically necessary. Coverage is determined by
your specific insurance plan and may require prior authorization before the scan is performed. 

 

Key factors that affect MRI insurance coverage:
• Medical necessity as determined by your provider
• In-network vs. out-of-network imaging facility
• Whether contrast dye is required
• Prior authorization requirements
Even when an MRI is covered, patients are often responsible for part of the cost based on their
insurance benefits. For exact coverage confirmation, patients should contact their insurance provider or
speak with a billing specialist.