Last year, Stephanie Halver\u2019s primary care doctor consulted a risk assessment tool to calculate her chances of one day developing breast cancer. Halver, now 43, remembered the likelihood \u201cpopped up really high.\u201d<\/p>\n
That\u2019s partly because Halver\u2019s mother and aunt have had breast cancer. Her age and dense breast tissue also put her at higher risk.<\/p>\n
Halver, who lives in Vancouver, Washington, said her doctor recommended she get an annual breast MRI, six months after her yearly mammogram. The scan would serve as an additional safeguard, since breast MRIs can detect abnormalities that mammograms miss.<\/p>\n
Case in point, actress Olivia Munn had a breast MRI in 2023 that detected an aggressive form of cancer in both breasts, even though a recent mammogram had been clear, she told People magazine<\/a>. Like Halver, Munn said her doctor recommended the MRI after a risk assessment score showed she faced a greater-than-normal chance of developing breast cancer.<\/p>\n Catching breast cancer early, before it spreads, improves survival rates, according to the National Cancer Institute<\/a>. After Halver\u2019s insurer preapproved the scan, she scheduled the MRI for September.<\/p>\n \u201cLuckily, they find nothing,\u201d Halver recalled.<\/p>\n Then the bill came.<\/p>\n The Medical Service<\/strong><\/p>\n A breast MRI \u2014 short for magnetic resonance imaging \u2014 is a preventive and diagnostic tool that captures pictures of breast tissue in higher detail than a mammogram. MRIs may be recommended for patients at an increased risk for breast cancer, including those with dense tissue, a family history of breast cancer, or certain genetic markers.<\/p>\n But the scans are generally not recommended for women considered at average risk, according to the American Cancer Society<\/a>, because they can also yield false positives, subjecting patients to unnecessary follow-up tests and procedures.<\/p>\n Breast MRIs are also used to diagnose cancer when an abnormality is detected during a mammogram, and they can determine the cancer\u2019s stage after diagnosis.<\/p>\n The Bill<\/strong><\/p>\n $1,205:<\/strong> After an insurance payment of $13.90, the patient was responsible for $1,191.10. The clinic also charged $65.60 for \u201cInjectable\/Oral Med,\u201d often used to keep patients still or less anxious during the scan. Halver\u2019s insurance covered about half of that charge.<\/p>\n The Billing Problem: Not Always Preventive<\/strong><\/p>\n When Halver received the bill from Vancouver Clinic, where the MRI was conducted on Sept. 26, she was confused.<\/p>\n She knew that the Affordable Care Act requires health plans to cover preventive care, such as Pap smears and mammograms, at no cost to patients.<\/p>\n What\u2019s more, Halver\u2019s breast MRI had been recommended by her doctor and preapproved by Blue Cross Blue Shield of Texas, of which she is a beneficiary through her employer-sponsored plan. The whole point of it was preventive. That\u2019s why she assumed it would cost her nothing.<\/p>\n To make things more confusing, a state law in Washington<\/a> requires many health insurers to cover breast MRIs.<\/p>\n \u201cI\u2019ve had many phone calls trying to understand\u201d the bill, Halver said.<\/p>\n Halver thought her health insurance plan would pay for a breast MRI recommended by her doctor in 2025. Even though the scan had been preapproved, she ended up with a $1,200 bill. (Kristina Barker for KFF Health News)<\/p>\n It came down to this: The U.S. Preventive Services Task Force, a panel of outside experts that advises the federal government, is charged with recommending which screenings health insurers are required to cover at no cost to patients, and preventive breast MRIs don\u2019t fall into that category.<\/p>\n The task force has determined<\/a> \u201cthe current evidence is insufficient to assess the balance of benefits and harms\u201d of breast MRIs for women with dense breast tissue \u201con an otherwise negative screening mammogram.\u201d<\/p>\n The federal guidelines are different for patients whose mammograms detect an abnormality, said Cathy Peters, senior director of state and local campaigns at the American Cancer Society Cancer Action Network.<\/p>\n In these cases, Peters said, guidelines published<\/a> by the federal Health Resources and Services Administration specify that additional imaging, such as ultrasounds and MRIs, are preventive.<\/p>\n After an abnormal mammogram, these services are recommended \u201cto address findings on the initial screening mammography\u201d and to \u201ccomplete the screening process for malignancies,\u201d according to HRSA.<\/p>\n Those guidelines are a step in the right direction, but women who have not had an abnormal mammogram may end up \u201crunning into a big bill,\u201d Peters said. This can be a deterrent when it comes to future screenings, she said, because when \u201cyou get hit with that once, you\u2019re going to be very careful the next time you go.\u201d<\/p>\n Some states have enacted laws that require insurers to cover breast MRIs, Peters said, but they generally don\u2019t benefit patients like Halver who are enrolled in large, employer-sponsored insurance plans. These \u201cself-insured\u201d plans are regulated by the federal government, not by state lawmakers.<\/p>\n \u201cSadly, these state-by-state laws,\u201d Peters said, don\u2019t \u201cfix the federal problem.\u201d<\/p>\n The Resolution<\/strong><\/p>\n Blue Cross Blue Shield of Texas declined to answer questions about Halver\u2019s benefits or bill.<\/p>\n Halver appealed the insurer\u2019s coverage determination, and in July she received a letter indicating that her appeal was denied.<\/p>\n Halver said she contacted her employer\u2019s human resources department earlier this year and learned that mammograms are covered as a preventive screening under her health plan but breast MRIs are not. That means her annual breast MRI will be subject to deductibles, coinsurance, and other cost-sharing requirements.<\/p>\n In this case, the cost of Halver\u2019s breast MRI was applied to her $3,300 annual deductible, an explanation of benefits from her insurer showed.<\/p>\n \u201cI think I\u2019m on the hook for this bill,\u201d she said.<\/p>\n And because her risk of breast cancer is high, she said, \u201cthat\u2019s a guaranteed bill every year.\u201d<\/p>\n Halver learned that mammograms are covered as a preventive screening under her health plan but breast MRIs are not. (Kristina Barker for KFF Health News)<\/p>\n The Takeaway<\/strong><\/p>\n If your doctor or medical provider recommends an annual breast MRI in addition to an annual mammogram, consider researching your state\u2019s coverage rules on the DenseBreast-Info website<\/a>. The nonprofit organization maintains a map with up-to-date information on state laws about breast cancer screenings. Depending on where you live and what type of health plan you have, preventive breast MRIs might be covered at no cost.<\/p>\n If it turns out you could be on the hook for a future bill, there are a few things you can do beforehand to potentially lower your out-of-pocket costs.<\/p>\n Ricki Fairley, co-founder of Touch, the Black Breast Cancer Alliance, recommended first finding a patient navigator at the hospital or cancer center to assist you.<\/p>\n She urged women to seek out resources in their communities or through national advocacy groups, including Touch, to find ways to lower screening costs. Programs funded by some states can help offset the cost of breast cancer screenings for low-income patients, Fairley said.<\/p>\n Beyond that, shop around<\/a> for the best price. Freestanding imaging centers may charge less for a preventive breast MRI than a hospital. If possible, also consider scheduling the MRI at the end of your health plan\u2019s deductible year. If you\u2019ve already met your deductible, you could end up owing less out-of-pocket.<\/p>\n Bill of the Month is a crowdsourced investigation by KFF Health News<\/a> and The Washington Post\u2019s Well+Being<\/a> that dissects and explains medical bills.\u00a0Since 2018, this series has helped many patients and readers get their medical bills reduced, and it has been cited in statehouses, at the U.S. Capitol, and at the White House. Do you have a confusing or outrageous medical bill you want to share? Tell us about it<\/a>!<\/em><\/p>\n<\/div>\n KFF Health News<\/a> is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF\u2014an independent source of health policy research, polling, and journalism. Learn more about KFF<\/a>.<\/em><\/p>\n This article<\/a> first appeared on KFF Health News<\/a> and is republished here under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Last year, Stephanie Halver\u2019s primary care doctor consulted a risk assessment tool to calculate her chances of one day developing breast cancer. Halver, now 43, remembered the likelihood \u201cpopped up really high.\u201d That\u2019s partly because Halver\u2019s mother and aunt have had breast cancer. Her age and dense breast tissue also put her at higher risk….<\/p>\n","protected":false},"author":0,"featured_media":15250,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-15249","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"_links":{"self":[{"href":"https:\/\/medical-article.com\/index.php?rest_route=\/wp\/v2\/posts\/15249"}],"collection":[{"href":"https:\/\/medical-article.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/medical-article.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/medical-article.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=15249"}],"version-history":[{"count":0,"href":"https:\/\/medical-article.com\/index.php?rest_route=\/wp\/v2\/posts\/15249\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/medical-article.com\/index.php?rest_route=\/wp\/v2\/media\/15250"}],"wp:attachment":[{"href":"https:\/\/medical-article.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=15249"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/medical-article.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=15249"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/medical-article.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=15249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}