Suppose you could time travel back to the 18th century.  What do you think someone’s reaction would be if you told them that in the future, sometime in the 1970’s a doctor would be able to see into their body without having to cut them open?  You’d be laughed out of the campfire!

Probably one of the most asked questions I get as a Medical Insurance broker is “how much will it cost me if I need an MRI?”  The answer is, “well that depends on your Medical Insurance policy.”  Some Medical Insurance policies, like BlueCross/BlueShield of Florida, offer a fixed price of $150 for any advanced imaging services including MRI’s. CT scans, PET scans, etc.  The $150 you pay does not apply towards your Medical Insurance deductible. Other Medical Insurance carriers will not pay for an MRI until you have met your deductible.  That means that if your Medical Insurance policy has a $5000 deductible and the MRI costs $700 after the medical insurance carrier applies the network discount you will pay the entire $700.  That $700 will go towards your Medical Insurance deductible.  Other Medical Insurance plans, like an HSA  or a plan that doesn’t pay anything until you meet the deductible, will not even give you the network discounts.  This is why it is very important to use the complimentary services of a medical i nsurance broker when getting Health Insurance Quotes.  A Medical Insurance broker will explain all the ins and outs of any Medical Insurance policy you are considering buying.

On the web site HowStuffWorks they write about how, guess what, how MRI’s work.

“Dr. Raymond Damadian, a physician and scientist, toiled for years trying to produce a machine that could non invasively scan the body with the use of magnets.  Along with some graduate students, he constructed a superconducting magnet and fashioned a coil of antenna wires.”  The article goes on “a svelte graduate student volunteered to give it a try and on July 3, 1977  the first MRI exam was performed on a human being.  It took almost 5 hours to produce one image, and that original machine, named the “Indomitable” is now owned by the Smithsonian Institution.”

MRI’s use a powerful magnetic field, radio frequency pulses and a computer to produce detailed pictures of organs, soft tissues, bone and virtually all other internal body structures. Those images can then be sent to a computer monitor, transmitted electronically, printed or copied to a CD.  An MRI does not use x-rays.  Just imagine explaining to your friend around the campfire in the 18th century that medical technology and Medical Insurance would allow someone to take a look at his blood vessels without one drop of his blood being shed.

Medical Insurance

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