Imagine you have a nagging shoulder injury. Your doctor recommends an MRI, but a quick call to your insurance company confirms the bad news: with your high-deductible health plan (HDHP), you'll have to pay $2,500 out-of-pocket at the hospital's imaging center before coverage kicks in. For millions of people, this is a familiar story, creating a painful gap between what they need and what they can afford. 

But a different approach to healthcare is starting to close that gap. Services like the Las Vegas-based Diagnostic Orders Direct were created specifically for this high-cost landscape, connecting patients directly to the diagnostic orders they need for a fraction of the typical price.

Is It Cheaper to Self-Pay for an MRI Than to Use a High-Deductible Plan?