MRI copay for both stupid knees

[The_Blood_Bay_Mare]

I’m afraid I already know the answer to this question…

I know for a fact that I need an MRI on my right knee. It is obliterated and probably should be replaced. This is going to cost me a $500 copay and it’s annoying.

My left knee is also a mess, though to a less urgent degree. I tore my meniscus when I was 15 and then probably tore my PCL last year coming off a jackass horse.

If I get both knees MRI’d, I’m guessing it’s going to be two copays -sigh- Of course I’m going to ask my doctor but I’d like to know if anyone has experience with this?

[AKB]

It depends on your insurance. Call or email your insurance company. We have Kaiser coverage. With our policy, it is the same $50 company whether they image one body part or lots of them. When we had a different Kaiser policy, we paid one $20 copayment that included an exam, two sets of lab work, a CT scan of two body areas, and a phone consultation with a surgeon.

[cayuse]

Is that co-pay including your yearly deductable, if your plan has one? $500 seems high for a co-pay, but it all depends on the insurance policy. If you have a deductable, once it is met, your out of pocket expense should be lower on other tests.
Does the hospital have a payment plan? I have had to do that several times and the hospitals were good about setting one up.

[The_Blood_Bay_Mare]

[QUOTE=cayuse;8328900]
Is that co-pay including your yearly deductable, if your plan has one? $500 seems high for a co-pay, but it all depends on the insurance policy. If you have a deductable, once it is met, your out of pocket expense should be lower on other tests.
Does the hospital have a payment plan? I have had to do that several times and the hospitals were good about setting one up.[/QUOTE]

It’s a $500 copay per MRI, yes it is ridiculous. My insurance company is useless. I think the yearly deductible is $5k. And the MRI is a special expense so even if we do meet the deductible, the MRI is still $500 out of pocket. I know. I’ve paid it before.

I don’t know if the hospital has a payment plan, but I have acquired a Care Credit card for this purpose.

[cayuse]

Wow, now that’s a deductable! I am so lucky that I have good insurance. I won’t complain about mine anymore, ever.
Hope you get some answers soon so you can get on the mend.