Yes you can get MRI and pay it yourself without having to argue with doctors and insurance. The prices at such imaging centers are way more affordable than at hospitals:
The insurance always tries to minimize the cost so the Drs must start with the least expensive test: x-rays -> CT Scan -> MRI, or it will be rejected by the insurance.
It doesn't matter to them which test is best for your health, it's always about money first in the US.
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