insurance

We Can Save You Hundreds!

Do You Accept Health Insurance?

YES,  Northwest MRI will bill insurance for you.  However, we are out of network with all the major insurance companies but maintain insurance claim forms for most major insurance providers in Oregon and as a courtesy; we will submit your insurance claim.  That may come across initially, as a negative, but actually, we are more often than not, cheaper than an in-network provider to you.  Call us and we will be happy to explain this to you.  Northwest MRI does not currently participate in Medicare or Medicaid.

Review the examples below: typical insurance and high deductible to see how much you save

We understand that rising health care costs affect both uninsured patients and those with high deductible plans which is why we offer medical imaging services at a low cash price. At Northwest MRI, we believe in offering solutions: affordable and quality MRI services.  The insurance estimates are challenging

Personalized Savings Estimates

We provide out-of-pocket estimates for those with health insurance so you can easily compare your health insurance estimate to our discounted flat rate fee.

Call us today at 541-570-1728 to get a no obligation, personalized savings estimate.

Patients without Health Insurance

We know that when you pay cash, every penny counts. That’s why we are proud to be one of the most affordable MRI clinics in Oregon and the Northwest. While other MRI exams can be extremely expensive, Northwest MRI offers fast, friendly, and affordable MRI services.

 Low Overhead = Great Savings

Northwest MRI is able to offer great savings because of our low overhead and efficient services.  We also believe that affordable health care should be available to everyone.

Get a Free Personalized Savings Estimate

No Obligation

At Northwest MRI, our pricing is typically less than many insurance covered care plans. Because the cost of the Radiologist is included, you will come out on top most of the time. We will provide you with a copy of your receipt to submit to your insurance company to be applied toward your deductible and/or get a reimbursement check. Call us and let us help you determine how to save the most on your MRI.

Maximize your insurance coverage

It is important for you to understand how the insurance process typically works. As you are most likely aware, insurance companies are in the business of making money off of the premiums you or your employer pays them. That said, it is not a surprise to say that they are most always going to come out on top when it comes to dollars and cents. So it pays for you the consumer, (patient), to be as informed as possible to be sure you . We’re here to help you do that.

Call us for a personal savings estimate!

Northwest MRI is considered an “Out of Network” provider. Your insurance company typically like to have you use “In-Network” providers. Providers that they’ve negotiated a discounted price for their services so they can appear on their “List of preferred providers”.

Northwest MRI is not able to bill Medicare

We will bill most all Oregon insurance carriers.

One more way you can make this work for you is to have us bill your insurance company. Because you will be having us bill your insurance company and will not be taking advantage of our “everyday discounted out-of-pocket” price, we will be charging your insurance company $900. Because we will be waiting to receive our complete payment our cost for services is a bit higher and yet substantially lower than most “in-network” providers to you and your insurance company. If it is determined that your insurance provider will cover your MRI at 50%, you will only be responsible for the remaining 50%, or $450 at the time of service. That is still approximately half of the $825. You would be paying using XYZ imaging center.

Patient Savings with a Typical Policy

Example:  John Corporate has a 70/30 policy for imaging, and his family has met their deductible for the year.  He’s got it made, right?  No so fast.

Typical 70/30 Insurance                 Northwest MRI

$725                                                     $400 (cash)  $550(insurance billed)

Payment with Typical Insurance:   $725 Net out of Pocket

Let’s say John schedules an MRI from XYZ imaging center or hospital. They are an “in-network” provider and their charge to you for an MRI is $2500 plus a $250 charge for a Radiology report.

$2500 List Price for a Scan  PLUS  $250 for the Radiology Report

His insurance company has negotiated a discounted price with XYZ imaging center of $1800 for the MRI and $150 for the report.

Insurance:

$1800 Negotiated Scan Price PLUS $150 for the Radiology Report

Let’s assume his insurance coverage after he pays his deductible of $200 has been met is 70/30 for medical imaging. This means his insurance coverage is 70%, and he has to come up with the 30%.

John Pays $725!

30% of $1800-$200 = $480
30% of $150 = $45                      $200+ $480+$45 = $725

Payment  to Northwest MRI  If We Bill Insurance  $550 Net out of pocket

Out of Network at 50%  $200 deductible

John schedules the same MRI Scan at Northwest MRI – an “out of network” provider. Our everyday “out-of-pocket” charge for a standard MRI billed to insurance is $900.00 (which  includes the radiology report- NO hidden fees).

Insurance Billed Rate $900

Most insurance companies will cover “out of network” providers at 50% after the deductible is met.   $900- $200 deductible paid at 50% +$350 reimbursement.  $900-$350  = $550

Northwest MRI Insurance Billed: John Pays  $550  Saves $175

If we manage the work with your insurance company, your total out of pocket would be $450.00 compared to $725, saving you $175.

Northwest MRI –  CashPayment  $400 Net out of pocket

Out of Network at 50%

If John pays cash, and bills his insurance himself, with the paperwork we provide, he pays even less.  John schedules the same MRI Scan at Northwest MRI – an “out of network” provider. Our everyday “out-of-pocket” charge for a standard flat rate MRI is $599 (which  includes the radiology report- NO hidden fees).

Flat Rate $599

Most insurance companies will cover “out of network” providers at 50% after the deductible is met.

Northwest MRI Cash Payment: John Pays  $400 after insurance

John Pays Northwest MRI $599, and sends the bill to his insurance company.  They reimburse him at the 50% “out of network” rate,  after removing the deductible sending him a check for $299 after they process his paperwork.

$599 cash price – $200 deductible =  $399 reimbursed rate.     $399 x 50%  = $199.50 remibursement

Total cost $599 cash price minus $199 reimbursment = $400

This is a “typical scenario” each situation is different. We will gladly create a personal cost savings estimate for you by talking with your insurance company, and you can make the best decision for yourself.

Patients with Health Insurance and High Deductible

High Deductible Insurance:

With many health insurance policies today, there is a high deductible that is required to be paid BEFORE they will pay out any coverage for your care. This keeps your premium lower but requires you to pay a lot of up-front costs. BE CAREFUL! Being proactive in where you shop for care can save you thousands of dollars.

This is a “typical scenario” each situation is different. We will gladly create a personal cost savings estimate for you by talking with your insurance company, and you can make the best decision for yourself.

Example: Jane Worker

Jane Worker has a high deductible policy to save costs, but her son needs an MRI.  They have not met their individual or family deductible for the year.  Their individual deductible is $1000 per family member.

Jane’s son has only paid down $200 of his $1000 deductible on a previous doctor’s visit this year.

Typical High Deductible             Northwest MRI Cash

$1300                                              $599

Jane saves $700 and pays down her deductible.

Payment with High Deductible Insurance:   $1300 Net out of Pocket

Jane schedules an MRI from XYZ imaging center. They are an “in-network” provider, and and their charge is $2200 for an MRI plus $200 for a radiology report.

$2000 List Price for a Scan PLUS $200 for the Radiology Report

Jane’s insurance company has negotiated a discount price with XYZ imaging center of $1600, with $200 radiology fee.

Her insurance company will only cover 50% of all medical imaging, whether in network or out of network.

Jane pay the $800 remaining on the deductible first.  Then she pays 50% of the negotiated price of 1800, minus the 800 deductible ($1000), which is $500.

$800 Deductible + $500 Co-pay = $1300

with Insurance Jane Pays $1300 !!

Even after you’ve met your deductible, many policies only cover medical imaging at 50%. That leaves you to cover the remaining 50% out of pocket. Be careful not to wait till after you’ve received the final bill to find this out.

Northwest MRI Cash Payment: Jane Pays  $599 after insurance

Jane pays Northwest MRI $599, and sends a copy of the bill to her insurance company for reimbursement.

They apply the $599 to her son’s $800 deductible and do not reimburse.  Her deductible remaining is $201.

$599 cash price

The average cost for an MRI nationwide is upwards of $2600, plus the additional costs of expensive radiology reports. Many current medical insurance policies only cover medical imaging at 50%, which means your out-of-pocket cost can still be substantial.

This is a “typical scenario” each situation is different. We will gladly create a personal cost savings estimate for you by talking with your insurance company, and you can make the best decision for yourself.

Flat Rate, No Hidden Fees – Check your saving at our Pricing Page.