How Much Does a PET Scan Cost in the USA With and Without Insurance in 2025?
If you've been recommended a PET scan (Positron Emission Tomography), you may be wondering how much it will cost—especially if you don't have health insurance. As of 2025, PET scans are still one of the more expensive medical imaging procedures, but understanding the breakdown of costs and options available can help you make informed decisions.
🏥 What Is a PET Scan?
A PET scan is a powerful imaging test that helps doctors see how your organs and tissues are functioning. It's often used to detect cancer, monitor heart conditions, or evaluate brain disorders like Alzheimer’s disease. Because of its ability to show both structure and function, it’s more advanced than a traditional MRI or CT scan.
💰 PET Scan Cost With Insurance
If you have health insurance, your out-of-pocket cost for a PET scan will depend on your deductible, co-pay, and coverage policy. Here's a typical breakdown:
- Average Total Cost Billed: $3,000 – $7,000
- Insurance Coverage: 70%–90% (depending on your provider)
- Your Out-of-Pocket Cost: $200 – $1,000
Note: Some plans require pre-authorization, especially if the scan is not considered an emergency.
💸 PET Scan Cost Without Insurance
Without insurance, you’re responsible for the full cost of the scan, which can be substantial:
- National Average (No Insurance): $3,000 – $6,000
- High-Cost Areas (e.g., New York, California): Up to $9,000
- Low-Cost Areas or Outpatient Clinics: $1,500 – $2,500
Pro tip: Independent imaging centers often charge significantly less than hospitals.
📍 Cost by State (Estimate for 2025)
| State | With Insurance (Avg. Out-of-Pocket) | Without Insurance |
|---|---|---|
| California | $500 – $1,000 | $4,500 – $9,000 |
| Texas | $300 – $800 | $3,000 – $6,500 |
| Florida | $200 – $700 | $2,800 – $5,500 |
| New York | $400 – $1,000 | $4,000 – $8,000 |
| Illinois | $250 – $750 | $3,000 – $6,000 |
✅ How to Reduce PET Scan Costs
If you're uninsured or underinsured, here are some ways to reduce your expenses:
- Ask for a Cash Discount: Many imaging centers offer 20–40% off if you pay upfront.
- Shop Around: Use online tools or contact multiple facilities to compare pricing.
- Consider Medical Tourism: Some patients opt for scans in nearby countries like Mexico for major savings.
- Check for Financial Assistance: Hospitals often offer payment plans or charity care for low-income patients.
- Look into Imaging Clinics: Independent centers can be thousands of dollars cheaper than hospital imaging departments.
📋 When Insurance Might Not Cover a PET Scan
Even with insurance, you might face a denial of coverage if:
- The scan is considered experimental.
- It’s ordered without a clear medical necessity.
- You haven’t met your deductible.
Always check with your provider beforehand and get pre-authorization when needed.
🧾 Final Thoughts
The cost of a PET scan in the USA varies widely depending on your insurance coverage, location, and the type of facility you choose. If you're uninsured, the price can be steep—but there are still ways to save. Always compare rates, ask about discounts, and explore all your financial options before scheduling the scan.
By being informed, you can make better healthcare decisions and avoid unexpected costs in 2025.