If you have:
- Insurance with a deductible or co-pay
- A high deductible
- No Insurance (self-pay)
You can save a substantial amount of money by using an independent facility such as Lundberg Medical Imaging. Hospital-affiliated imaging may cost you several times more for the very same study.
Your Health Insurance Benefits: Things you should know to save you money
If your exam is covered by private insurance:
To control costs, your insurer negotiates with imaging providers on your behalf for a “contracted rate.” The contracted rate is the maximum amount that an imaging provider can collect for a covered service, and is usually less than the standard charge. What is not widely known is that the contracted rate is not the same for all imaging providers, and the contracted rates can be higher for hospitals than for independently-owned outpatient imaging centers like Lundberg Medical Imaging. At most local hospitals, you also will receive a bill for the radiologist interpretation of your exam. At Lundberg Medical Imaging, our charge includes the radiologist interpretation. There is no second bill.
Contracted rates matter – If you have not met your deductible for the year, or if your plan requires coinsurance, then all or part of the charges for your imaging exam will be your responsibility. Since contracted rates vary from one imaging provider to another, and also from one insurance plan to the next, it is important to educate yourself. Before scheduling your next imaging exam at a local hospital, we encourage you to consult with your insurer about coverage, and to ask the hospital what you can expect to pay out-of-pocket, based on their contracted rate and the deductible and co-insurance of your plan. Call us to find out what you can expect to pay out-of-pocket at Lundberg Medical Imaging as a point of comparison. Like many of our patients, we think you’ll be pleasantly surprised. Why pay more?
If your exam is not covered by insurance:
If you are scheduling an imaging exam that is not covered by insurance, then, subject to any available discounts, you will be responsible for 100% of the charges for your service. The average charges of the local hospitals can be significantly higher than the average charges of an independently-owned outpatient imaging center like Lundberg Medical Imaging. Before scheduling your next imaging exam at a local hospital, we encourage you to ask the hospital for their charges. You also should ask whether the hospital offers any discounts, including for partial or full pre-payment. Then call us to find out the LMI charges and available discounts as a point of comparison. . Like many of our patients, we think you’ll be pleasantly surprised. Why pay more?
If you don’t have health insurance: Lundberg Medical Imaging is sympathetic to the needs of those without insurance coverage. We offer steeply discounted rates to our self-pay patients.
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