What Is the Difference between In-Network and Out-of-Network Insurance for My Imaging Test?

Knowing the difference between in-network and out-of-network care can significantly save you money on healthcare expenses. When looking for an imaging center, it's essential to know about your provider network and the choices you have.

Specific imaging tests should be pre-approved as described in your health insurance benefits information or package. Calling before scheduling your appointment to get prior authorization is very important, and can save you time and money.

In-Network: When a provider joins our network, they agree to accept our approved amount for their services. On the claims and explanation of benefits statements, you will see these savings listed as a discount. You are responsible for paying the difference between the total charge and your plan's approved amount.

Out-of-Network: When a radiology center or hospital does not have a contract with your health insurance provider, you are responsible for paying higher prices. An out-of-network rate is set by the imaging center or hospital, not the insurance company, resulting in higher and often unexpected fees.

Understanding the network coverage your plan offers can help you choose the right health care providers, and assist you in getting the best value and care for your budget. At Houston MRI, if you do not see your insurance provider listed, don’t worry. Our representatives can help provide the best options and pricing for you and your family. Give us a call to learn more at (713) 425-8190.

Our mission at Houston MRI ® & Diagnostic Imaging is to provide the patients and physicians with affordable medical diagnostic imaging in a warm and patient-friendly environment. It is our goal to make the medical imaging procedure as pleasant as possible. Our promise to our communities is "hospital quality imaging without the hospital costs" with efficient service to both our patients and physicians.