Doctor holding and examining X-ray images, assessing diagnostic findings related to the X-ray cost for patients.

How Much Does an X-Ray Cost? Your Guide to Understanding X-Ray Expenses and Savings

What is X-ray Cost? A Simple Explanation

The term “X-ray cost” refers to the price patients pay to have an X-ray scan of a body part. X-rays are types of electromagnetic radiation that pass through the body to create images of bones, tissues, and organs. 

 

These images help doctors diagnose various health conditions. As a spine surgeon with over 25 years of experience in this field, I know that X-ray costs vary depending on factors like the type of facility, the body part being scanned, and your insurance. 

 

My goal here is to help you understand these costs, why they vary, and how you can find affordable options. At Long Island Neuroscience Specialists, we believe in providing transparent information that empowers patients to make informed healthcare choices.

TL;DR (Too Long; Didn’t Read)

  • X-rays are essential diagnostic tools for examining bones, tissues, and organs.
  • Costs for X-rays vary widely, influenced by location, body part, insurance, and facility type.
  • Outpatient clinics and imaging centers often offer more affordable options than hospitals.
  • Insurance plays a major role in cost, but cash-paying patients can also find cost-saving options.
  • Knowing your options can help you plan for and reduce X-ray expenses.
Elderly patient entering credit card PIN on a POS device to cover X-ray cost at a healthcare facility reception.

What Factors Determine the Cost of an X-ray?

The cost of an X-ray is determined by several factors, including location, facility type, and body part. First, location is a key factor. If you’re in a major city like New York, you may pay more than you would in a smaller town due to higher operating costs for facilities. 

 

For instance, in New York, an X-ray might range from $100 to $260, while in some rural areas, the price could be lower or higher depending on available services. Next, the type of facility—whether it’s a hospital, outpatient clinic, or imaging center—significantly affects the price. 

 

Hospitals typically charge more due to overhead costs, while imaging centers and outpatient clinics may offer the same X-ray at a fraction of the price. The body part being examined also influences the cost; a simple finger X-ray may cost around $100, whereas a full spinal series can exceed $300.

 

Another factor is the number of views needed. For instance, diagnosing a complex spinal condition often requires multiple angles, which increases the price. 

 

Finally, insurance status affects cost dramatically. Insurance may cover part or all of the X-ray, but the specifics depend on factors like whether you’ve met your deductible. 

 

In cases where insurance doesn’t cover an X-ray or the deductible hasn’t been met, patients are responsible for the full price.

How Much Does an X-ray Cost on Average?

X-ray costs can vary widely, but the national average cost is about $125. However, this number fluctuates based on various factors, as mentioned above. 

 

For example, a chest X-ray might cost $370, whereas a dental X-ray may cost between $20 and $250. The cost can also differ greatly by location. For instance, the average cost of a chest X-ray in New York ranges from $100 to $260, while in Los Angeles, it can range from $230 to $600.

Xray Costs on Major Cities

  Xray Costs on Major Cities  
City Average Chest X-ray Cost Average Complex X-ray Cost
National Avg $280 $343
Atlanta $95 $114
Chicago $97 $147
Houston $107 $130
Las Vegas $71 $80

Average Cost Per Body Part

  Xray Costs on Major Cities  
Body Part Average Chest X-ray Cost
Chest $370
Finger $100
Hand $180
Knee $200
Pelvis $350
Full Body $1,100
Medical professionals analyzing an X-ray image to provide accurate diagnosis, with considerations for the X-ray cost involved.

How Does Insurance Impact the Cost of an X-ray?

Insurance plays a major role in X-ray costs. Generally, insurance will cover medically necessary X-rays, which includes diagnostic X-rays ordered by a doctor. 

 

However, the out-of-pocket cost depends on your deductible and co-insurance. If you have a high-deductible health plan and haven’t yet met it, you may pay out of pocket for the X-ray. 

 

For example, if your deductible is $1,000 and you’ve only met $500, you would pay the remaining $500 before insurance kicks in. Insurance companies often negotiate lower rates with in-network providers. 

 

This is why it’s essential to confirm that the imaging center or hospital is in-network. Going out-of-network may result in higher costs. 

 

For those on Medicare Part B, diagnostic X-rays are covered, with patients responsible for 20% of the Medicare-approved amount after meeting their Part B deductible. Medicaid and Tricare also cover many types of X-rays if deemed medically necessary, though dental X-rays might require additional coverage under a dental plan.

 

In cases where insurance denies coverage, you can opt to pay out-of-pocket. I recommend asking your doctor for the procedure codes to ensure the X-ray is necessary, as sometimes a simple code correction can solve insurance issues.

Affordable Options for Getting an X-ray Without Insurance

If you’re uninsured or plan to self-pay, there are several ways to keep X-ray costs manageable. Outpatient clinics and imaging centers generally offer the lowest rates. 

 

At Long Island Neuroscience Specialists, we refer patients to trusted imaging centers when possible because we know this can save them money. Imaging centers are more budget-friendly since they don’t have the same overhead costs as hospitals. 

 

Many imaging centers offer a cash-pay rate between $45 and $250, depending on the body part being examined. Another way to save is by shopping around and using online resources like MDsave or New Choice Health. 

 

These sites allow patients to compare costs at various facilities. Additionally, since 2021, hospitals have been required to publish standard charges online for many procedures, including X-rays. 

 

This transparency allows you to review and compare prices in advance. If you’re facing financial challenges, you may be eligible for income-based discounts at certain clinics. 

 

The U.S. Department of Health and Human Services offers a locator tool to help you find affordable healthcare facilities in your area. Some imaging centers and rural health facilities provide X-rays at discounted rates for uninsured patients. 

 

Lastly, consider requesting a Good Faith Estimate (GFE), which helps protect patients from unexpected charges. If your final bill exceeds the GFE by more than $400, you may be able to negotiate or dispute the bill. Read more here.

Cost Breakdown by Type of X-ray

The cost of an X-ray varies widely depending on the type. A chest X-ray, one of the most common types, averages around $370. This scan is useful for diagnosing conditions like pneumonia or heart abnormalities. 

 

Spinal X-rays are another common type, especially relevant for us at Long Island Neuroscience Specialists. There are three main regions that can be X-rayed: the cervical, thoracic, and lumbar spine. 

 

A full spinal series can average around $320, though it varies depending on how many views are needed.

Dental X-rays are typically more affordable, ranging from $20 to $250, depending on whether the scan is for one tooth or the entire mouth. 

 

A foot X-ray can cost around $290, as it usually involves multiple angles to fully assess the structure. Specialized X-rays, like a DEXA scan for bone density, may cost around $337 and are often used to check for osteoporosis. 

 

The cost increases if the procedure requires contrast material or additional imaging angles. Understanding these costs allows you to better anticipate expenses and decide on the right type of X-ray for your condition.

Man consulting a healthcare social worker for assistance with understanding and managing X-ray cost and payment options.

Can You Negotiate or Reduce the Cost of an X-ray?

Yes, it is often possible to negotiate the cost of an X-ray. Many healthcare providers are open to discussing discounts for cash payments, as they avoid the administrative costs associated with insurance billing. 


This can be particularly helpful if you’re paying out-of-pocket. Additionally, financial assistance programs are available at many hospitals and imaging centers, especially for those who meet certain income requirements. 


Another way to reduce costs is by setting up a payment plan with the facility. Many imaging centers and hospitals allow patients to pay in installments, making it easier to manage larger bills. 


For those with limited income, some facilities offer sliding scale fees, where charges are adjusted based on income. If the final bill exceeds the Good Faith Estimate (GFE) by more than $400, you have the right to dispute it. 


This process can involve discussing the charges with the billing department or requesting an itemized bill to identify any errors. Negotiating may seem intimidating, but it’s a step worth taking if you’re facing financial difficulty.

Additional Costs to Consider with X-ray Procedures

When budgeting for an X-ray, it’s essential to consider additional fees beyond the scan itself. For instance, radiologist fees are often billed separately. A radiologist interprets the X-ray results and provides a report to your doctor, which incurs an extra charge. 

 

Similarly, facility fees can vary depending on whether you’re receiving the X-ray at a hospital or outpatient center. Hospitals generally charge higher facility fees due to their larger operating costs, whereas outpatient imaging centers often have lower fees.

 

Consultation fees are another factor to keep in mind. If you’re consulting with a specialist, like a spine surgeon, they may charge separately for reviewing your X-ray results and discussing them with you. 

 

If your X-ray requires contrast material—a substance like iodine or barium used to highlight certain structures—there will be additional costs associated with that, as well. These contrast agents help provide a clearer view of blood vessels, organs, or other soft tissues and are sometimes essential for accurate diagnosis, particularly in complex cases.

 

Finally, there are often follow-up costs if further imaging is required. For example, if an initial X-ray reveals something unexpected, you might need additional scans, such as an MRI or CT scan, which come with their own costs. 

 

This can be particularly relevant in spine care, where initial findings often lead to a series of follow-up images to get a complete view of the spine’s health. Being aware of these potential additional fees can help you prepare financially for the full range of costs associated with an X-ray.

How to Prepare Financially for an X-ray if Uninsured

If you’re uninsured, planning for X-ray costs requires a bit of strategy. One option is to set up a savings plan for medical expenses, allowing you to save gradually for procedures like X-rays. 

 

Health Savings Accounts (HSAs) are available to those with high-deductible insurance plans, but even without insurance, creating a designated savings account for healthcare can be useful. An HSA allows you to save pre-tax dollars specifically for medical expenses, making it a tax-friendly way to prepare for healthcare costs.

 

When planning an X-ray, it’s wise to look into pre-payment options at imaging centers. Some clinics offer discounts for patients who pay upfront, especially if they’re uninsured. 

 

It’s also helpful to explore affordable clinics in your area. Many facilities, particularly community health centers, offer imaging services on a sliding scale. 

 

I often advise patients at Long Island Neuroscience Specialists to explore these options if they’re concerned about affordability. Financial counseling can also be invaluable. 

 

Many hospitals and imaging centers provide free financial counseling to help uninsured or low-income patients navigate their payment options. Financial counselors can help you understand discounts, payment plans, and even programs available for financial assistance. 

 

By taking proactive steps like these, you can better manage the costs associated with getting an X-ray, even if you’re without insurance.

Take Control of Your X-ray Costs

Understanding X-ray costs and knowing your options can make a huge difference when it comes to managing healthcare expenses. By being informed about the factors that influence pricing, comparing local facilities, and exploring affordable options, you can find quality imaging without overextending your budget. 

 

Remember, costs vary based on factors like the facility type, body part examined, and whether or not you have insurance. For uninsured patients, there are still plenty of ways to reduce costs, from choosing outpatient centers to asking for cash-pay discounts.

 

At Long Island Neuroscience Specialists, we’re dedicated to making sure our patients are empowered with the knowledge they need to make the best healthcare choices. With more than 25 years of experience in spine surgery, I’ve seen firsthand how valuable it is for patients to understand the financial side of their care. 

 

Our team is here to help guide you through your options, whether it’s finding the best facility, understanding insurance, or planning for out-of-pocket expenses. Whether you’re dealing with an injury, managing a chronic condition, or simply in need of a routine scan, understanding X-ray cost allows you to focus on what matters most—your health. 

 

We’re here to help you make these important decisions with confidence and support. If you need further insights on reducing costs or have questions about specific procedures, please don’t hesitate to reach out to us. 

 

At Long Island Neuroscience Specialists, our team is committed to helping you access the diagnostic tools you need without unnecessary financial stress. We know that navigating healthcare costs can feel overwhelming, but you don’t have to do it alone. 

 

Whether you’re insured, uninsured, or somewhere in between, there are options out there to ensure you receive the care you need. When it comes to managing your health, knowledge truly is power. 

 

We encourage our patients to ask questions, compare prices, and consider all their options. By making smart, informed decisions, you can find high-quality, affordable imaging and feel more in control of your healthcare journey. 

 

Thank you for trusting us with your health, and remember that we’re here to support you in every way possible—from diagnosis through treatment and recovery. Read more here.