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

Technology has come a long way from when doctors studied human corpses and animals to see how our bodies function.

With advanced technology sweeping us off our feet, so many machines, gadgets, devices, and software can show us incredible things about our bodies.

Likewise, one of these marvelous creations is the CAT (Computerized Axial Tomography) scan, also known as the CT scan. Using this machine, you can look inside a patient’s body and help doctors determine various diagnoses, such as signs of heart disease, cancer, and other medical conditions.

Despite how revolutionary this machine has been in the medical field, it is a crazy expensive procedure for patients. The good news is that most health and medical insurance policies cover the charges incurred by such medical examinations.

This article will discuss how much CT scans cost and what the insurance covers.

We’ll also discuss why it is so expensive!

What Is A CT Scan?

CT or CAT scan is a medical procedure that health care professionals use to detect signs of diseases or any internal injuries that might be causing some discomfort in the body.

This machine is handy in mapping out the patient’s entire internal body and helps doctors diagnose precisely what is wrong with them.

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For example, a CT scan might help determine the condition of a person who has just been in an accident.

The machine will show if there is internal bleeding or not. Likewise, doing a routine checkup with a CT scan can help detect early signs of diseases like cancer.

This works because the machine takes a series of x-rays from different angles when the patient is inside the machine. These x-rays, put together, forms a detailed picture of the body, showing all the bones, internal organs, tissues, blood vessels, and tissues.

Why Are CT Scans So Expensive?

CAT scans are naturally expensive because of the machine’s high production costs. Prolonged use of the chine can cause it to become hot, which means that the machine has a cooling system to keep the temperature at an ideal level.

Consequently, this means that CAT machines consume a lot of energy, resulting in higher maintenance costs.

The maintenance of the CAT machines itself can incur about $100,000 every year. Additionally, the installation of these machines costs millions of dollars for the hospital as well.

Apart from these technical reasons, the technician who works the entire machine is highly qualified. They are rigorously trained to operate the machinery and care for the patients while undergoing the scan.

Let’s take a look at some other factors that determine the cost of CT scans:

What Kind Of Facility Are You In?

Are you in an inpatient hospital setting or an outpatient center? If you’re in the former, the CT scan cost can be higher than if you’re an outpatient. This is because the basic amenities and cost to run an inpatient hospital generally cost more; hence their services also cost more.

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Do You Have Insurance?

Does your health or medical insurance cover the charges for your CT scan? If it does, you’ll have to pay less out of your pocket since the company will cover some portion of the bill.

On the other hand, if you don’t have insurance, you might end up paying for the entire procedure.

Check out Calidad Insurance for more packages that cover everything.

Where Do You Live?

Do you live in a metropolitan city or a small town? Where you live, the region, area, state, etc., can play a significant role in the price of your procedure.

What Is The Cost Of A CT Scan With Insurance?

The cost of a standard CT scan depends on your insurance policy. If your insurer covers all or part of your medical expenses, you only have to pay a small amount at the end of the examination.

Although you have an insurance company covering your charges, how much a CT scan will cost depends on the following factors:

  • What is the duration of your treatment?
  • What kind of medical facility do you choose to get the test from
  • Where you live
  • Any extra tests leading up to the CT scan?
  • The medical facility you choose.

Regardless of insurance, a CT scan will cost you an average of $3280. Considering the different factors, the price can range from $300 to $6750 or even more.

As mentioned before, you still have to pay a certain amount even if the insurance company covers your charges in full for the CT scan. This is because, depending on the policies set by your insurance providers, you may have to pay copay fees and other deductibles. However, comparing it to the actual total bill is just a meager amount.

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For instance, you only pay around 10% to 20% of the total amount, so if your bill were $1000, the maximum you might have to be would be $200.

You can try Cade Insurance if you’ve been convinced to get an all-around insurance policy.

What Is The Cost Of CT Scans Without Insurance?

On average, the cost of getting a CT scan is about $3275. Depending on various factors, it can range anywhere from $300 to $6750. Even if the average cost is about $3000, you might still pay less if you consider those factors.

It also depends on what kind of CT scan you are getting. For example, a head CT scan will cost more than a CT scan of your torso. However, you’ll still pay the total amount from your pocket without an insurance policy when you could have saved the money and let your insurance cover it.

This is why you need to learn more about the importance of health insurance and how it can help you live a better life.


CT scans help detect all kinds of conditions, which is why it is an integral part of the treatment process. It is painless, efficient, convenient, and beneficial for doctors to diagnose any illness or disease in patients.

It is also why you need to get a health insurance policy to help lower the treatment’s financial aspects.

Without a doubt, getting a CT scan with insurance is way cheaper than without.

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