How Much Does a CT Scan Cost With And Without Insurance?

Technology has drastically changed the way doctors learn about our bodies. They no longer have to rely only on studying human remains or animals. Today, many tools, machines, and software offer amazing insights into our bodies.

One such incredible invention is the CT scan, also known as the Computerized Axial Tomography scan. This machine allows doctors to peer into a patient’s body, aiding in the diagnosis of various medical conditions such as heart disease and cancer.

However, the cost of using this groundbreaking device can be pretty high. Luckily, many health and medical insurance policies cover costs associated with such medical tests.

In this article, we’ll explore the cost of CT scans, the extent of insurance coverage, and the reasons behind the high cost of this procedure.

What Is CT Scan?

A CT or CAT scan is a medical test that doctors use to determine if you have any sicknesses or internal injuries. This device is great at showing a person’s insides, helping doctors find out exactly what’s wrong.

For instance, if a person has just had an accident, a CT scan can check whether they have internal bleeding. Regular check-ups with a CT scan can even spot early signs of illnesses like cancer.

This works because the CT scan takes many X-rays from different angles when a person is inside the machine. These X-rays are combined to form a detailed image of the person’s body, showing all their bones, internal organs, blood vessels, and tissues.

See Also: Disability Insurance

Why do CT scans cost so much? 

The high price is because making and using a CAT scan machine is expensive. These machines use a lot of energy and need a cooling system to keep them from getting too hot. This means that the running costs of CAT machines are high.

Maintaining a CAT machine can cost around $100,000 each year. On top of that, setting these machines up costs hospitals millions of dollars.

Also, the technician who runs the machine is highly trained. They know how to operate the machine and care for patients during the scan.

How Much Does a CT Scan Cost With Insurance?

If you have insurance, the cost of a standard CT scan depends on your insurance policy. If your insurance pays for all or part of your medical costs, you’ll only have to pay a small fee.

Regardless of insurance, a CT scan costs about $3280 on average. But depending on different things, the price can vary from $300 to $6750 or even more.

Even with insurance, you’ll still have to pay some of the cost. Depending on your insurance policy, you might have to pay fees and other charges. But compared to the total cost, this is a small amount.

For example, you only have to pay about 10% to 20% of the total cost. So if your bill was $1000, the most you’d have to pay might be $200.

See Also: Homeowners Insurance

How Much Does a CT Scan Cost Without Insurance?

If you don’t have insurance, getting a CT scan costs about $3275. But this can vary from $300 to $6750 depending on different things. The type of CT scan you’re getting also matters. For example, a head CT scan costs more than a chest CT scan.

This is why knowing about health insurance and how it can help you is important.

Types Of CT Scans And How Much They Cost

Here are some kinds of CT scans and what they usually cost.

Body PartCost
Head or brain$825 to $4,800
Neck or spine$1,000 to $9,300
Chest$675 to $8,600
Abdomen$1,750 to $9,500
Pelvis$1,700 to $10,200
Shoulder, wrist, arm, or hand$625 to $8,400
Foot, ankle, leg, or hip$640 to $11,200

This table shows the price of CT scans for different body parts. Prices can vary quite a bit. 

For example, a CT scan of your head could cost between $825 and $4,800. Scans of other body parts, like your neck or spine, might cost anywhere from $1,000 to $9,300. The cost depends on the part of the body being scanned.

See Also: How to Make a Successful Water Leak Insurance Claim

What Factors Affect the Price of a CT Scan?

Here are a few things that can change how much a CT scan costs:

1. Body Part: A CT scan’s cost can differ depending on what part of the body needs to be scanned.

2. Where You Live: The price of a CT scan can change depending on the city you’re in. Places with a lower cost of living usually have cheaper scans. But if there are fewer hospitals or clinics in your area, the cost might increase because there are few choices.

3. Insurance: If you have health insurance, it can change how much you pay for a CT scan. Some insurances make you pay a certain amount first before they start paying for things. So even after you’ve paid the deductible, you might still need to pay some of the cost. This is called coinsurance.

4. Type of Facility: CT scans can cost more if you get them done at a hospital instead of an outpatient center. Outpatient centers might do a lot of CT scans so that they can offer them at a lower price. You can try calling different places to find the best price.

On average, a CT scan costs about $3,275. But at an outpatient center, it might cost around $525; at a hospital, it could cost about $4,750.

Closing Note

CT scans are very important for finding out about many different health problems. They’re painless, quick, convenient, and very helpful for doctors trying to diagnose illnesses or diseases.

That’s why it’s a good idea to have a health insurance policy to help with treatment costs. Undoubtedly, getting a CT scan is much cheaper with insurance than without.

Leave a Comment