A Computed Tomography (CT) scan is a non-invasive medical imaging procedure that uses specialized X-ray equipment to create detailed cross-sectional images, or “slices,” of the body’s internal structures. These images offer a comprehensive view of bones, blood vessels, and soft tissues, aiding in diagnosis, monitoring treatment, and guiding procedures. Finding a suitable location involves navigating different types of facilities, understanding administrative requirements, and planning for costs.
Types of Facilities That Offer CT Scans
The most common locations for obtaining a CT scan are hospital radiology departments and freestanding outpatient imaging centers. Hospital radiology departments provide full-service imaging capabilities and are best suited for emergency situations, inpatients, or those needing complex scans requiring immediate physician consultation. Hospital-based scans often carry a higher cost due to facility fees and can involve longer scheduling or wait times for routine appointments.
Outpatient imaging centers specialize solely in diagnostic imaging services like CT, MRI, and X-rays, resulting in a streamlined experience. These facilities often offer lower out-of-pocket costs—sometimes up to 60% less than a hospital—because they have lower operational overhead. They are preferred for non-urgent, routine, or elective scans, frequently providing faster scheduling and shorter wait times.
A less common option includes mobile CT units or those located within urgent care centers or specialized clinics. Mobile units serve remote areas, while urgent care centers with CT scanners can provide immediate imaging for minor emergencies, though the costs at these centers can vary widely. To find a local, in-network facility, individuals should consult their insurance provider’s online directory or check the websites of local healthcare systems for affiliated outpatient locations.
Navigating the Referral and Scheduling Process
Securing a CT scan appointment begins with a physician’s order, which serves as the formal referral to the imaging facility. This referral is a medically necessary document detailing the specific type of CT scan required and the reason for the exam. The physician’s office typically transmits this order directly to the chosen imaging center or hospital department.
Once the order is received, the imaging facility staff initiates the pre-authorization process with the patient’s insurance company. Pre-authorization, also known as prior authorization, is when the insurer reviews the doctor’s request to confirm the procedure is medically necessary and covered under the patient’s plan. This administrative review is necessary before the insurer agrees to pay for the service, and a denial can delay the scan.
The facility requires specific information for scheduling and pre-authorization, including the referral form, insurance card, and recent medical history. Patients must provide information about any allergies, especially to contrast dye, or conditions like kidney problems, which can affect the type of scan performed. Routine scans may have a wait time of several days to a week, while urgent scans are often expedited, sometimes allowing for same-day or next-day appointments.
Financial Considerations and Insurance Coverage
The out-of-pocket expense for a CT scan depends on the individual’s health insurance plan and the facility chosen. Even with coverage, patients may be responsible for a portion of the cost through a copayment (a fixed fee paid at the time of service) or co-insurance (a percentage of the total cost). Patients with high-deductible health plans pay the full, negotiated cost until their annual deductible is met.
Due to the significant cost difference between hospital-based and freestanding centers, patients are advised to “price shop.” It is helpful to contact the facility directly to ask for an estimated cost for the specific CPT code on the physician’s order, especially after pre-authorization is secured. Confirming coverage and expected patient responsibility ensures there are no surprises.
For individuals without insurance, or those with high deductibles who prefer to pay cash, many outpatient imaging centers offer substantial discounts. These cash-pay discounts can result in a final price significantly lower than the billed amount submitted to insurance. Some facilities also offer payment plans or financial assistance programs.