Healthcare Simplified

Safe, Low Cost, and Hasslefree Imaging

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Why choose Community Radiology of Virginia?

Safety

Due to the COVID-19 pandemic, we have implemented additional precautions at our facility to keep patients and employees as safe as possible.

If your doctor has prescribed a diagnostic imaging test such as an MRI, CT, or Mammogram and you are uneasy about having it performed at the hospital where they are treating patients with COVID-19, you are not alone. Millions of patients across the country are refusing tests at hospitals due to the higher risk of being infected. You have safer options. Community Radiology of Virginia has implemented the following processes to assure you are able to complete your necessary imaging test in the safest environment possible.

To protect and safeguard the health of our patients, employees, and our community, we’ve made changes to our standard operating policies. In addition to our standard safety measures and stringent sanitary processes, we are taking extra steps to ensure everyone’s safety.

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Low Cost Imaging

At Community Radiology You’ll Pay Less and Save Your Hard-earned Money

At Community Radiology, patients pay less and save more hard-earned money. For example, Hospitals typically charge $3000+ for an MRI and that may not include the doctor's fee. At Community Radiology our MRI self-pay price including the doctor's fee is $500! Patients can save over $3000!

Even patients covered by insurance can save money. Many patients have high deductibles and imaging costs are often required to be paid out of pocket. With most exams at Community Radiology less than $500, patients can save thousands!

Even patients who have met their deductibles can save! A patient’s responsible portion of a typical MRI can be hundreds of dollars less!

Real-Life Scenarios

Live in Rural Area and Doctor Sends you to the Hospital

You need an MRI and have not met your $5000 deductible and it’s your responsibility for all of the allowed charges. The amount was $3,500 at the nearby hospital. Thankfully that you called Community Radiology of Virginia. Where you learned the allowed amount was just $500 and saved $3,000.

High Deductible – H.S.A. Plan

You need a CT and your doctor refers you to the hospital. You have not met your deductible for the year. After calling the hospital you learn that you will be responsible for the full amount of $1,500 because it will be applied to your deductible. Thankfully, you called Community to keep the $1,000 difference for future needs.

Out of Network Insurance – Used Self Pay Rates

You need an MRI and plan to go to the hospital that was a preferred provider for your insurance. Neither the insurance nor the hospital can give you the exact cost but estimated around $3,300. You will be responsible for the complete amount since you have not met your deductible. You call Community Radiology of Virginia and asked about their “self-pay” option if you don’t use insurance and find the amount is only $500 with a saving of $2800.

Understand How your Insurance Works

Coinsurance

The medical expenses you pay after your insurance has paid its portion of the bill. Coinsurance begins after you meet your deductible, and is usually a percentage of the amount your insurance pays.

Example:

You've reached your deductible for the year and have an MRI. The cost is $1,000. If your coinsurance is 20 percent, that means you will be responsible for 20 percent of that $1,000 bill, or $200.

Deductible

The amount of money you pay out of pocket each year before your insurance will begin covering expenses. Deductibles usually start over at the beginning of each calendar or ﬁscal year.

Example:

If you have a $1,000 deductible, you pay the ﬁrst $1,000 of your own medical expenses. This is called meeting your deductible. After that, your insurance will pay some of your medical expenses. You may still have to pay a portion of your expenses through copays and coinsurance.

Allowable

VS.

Billed Charges

Health Savings Account

These pre-tax contributions are commonly offered with a high deductible insurance plan and can be used for qualified medical expenses. Unused funds roll over from year to year and are available even if your insurance or employment changes. HSA plans are becoming a popular way to save and pay for healthcare costs.

In-network

Vs.

Out-of-Network

Providers

In-network providers, also known as preferred providers, are clinics and physicians that agree to a ﬁxed rate with your insurance company. Out-of-network providers have not agreed to ﬁxed rates, which allows them to be ﬂexible with what they charge you. Call around and get estimates before choosing a provider. You may end up paying less.

Copay

A ﬁxed cost you need to pay for certain medical services, usually at the time of service. Oﬃce visits and prescription medicine often require copays.

Example:

A visit to the family doctor may require a $25 copay, while an emergency room visit may involve a larger copay. Pharmacy prescriptions often have a copay. Some services require both a copay and coinsurance.

Allowable

Vs.

Billed Charges

The allowable charge is the amount of compensation your insurance company and provider agree to for medical services. A bill is paid in full when the allowable charge is paid plus any copay or coinsurance. The allowed amount also determines how much you pay in coinsurance. The billed charge is usually higher than the allowed charge.

Preauthorization

(Prior approval)

Some medical procedures require your insurance company's approval beforehand, called preauthorization. If preauthorization is required, but not received, your insurance may deny beneﬁts. To be sure you're covered, always contact your insurance before moving forward with a treatment or procedure.