Does Private Health Insurance Cover MRI Scans? 
If you are referring to private individual or group health insurance major medical plans then the answer is yes . Now , the access to MRI scans will vary with the differenttypes of health insurance plans are person could be enrolled in . Under some policies it 's a very straight forward process that once your doctor orders one you go get it and it 's paid for under whatever deductible , copay and/or co-insurance provisions apply to such services under your health insurance contract . In other health plan environments there may be a pre-certification/pre-approval requirement before the insurance company will cover an MRI -LRB- I 'm assuming this is n't an emergency need -RRB- . If you are covered under such a contract it is important that you and/or your physician obtain the required pre-authorization before the MRI is performed in order to assure your claim is paid at in-network levels or not declined for payment in the most extreme circumstances . 