A knee MRI is one of the most straightforward procedures to shop. It takes about 45 minutes, does not require contrast in most cases, and can be performed at any facility with the right equipment. The price difference between facilities in Tampa can exceed $2,000 for the same scan.
You almost certainly do not need contrast for a knee MRI
Standard knee MRIs (meniscus tears, ACL, cartilage) are performed without contrast. If your order says "with contrast" or "with and without contrast," ask your doctor why.
Contrast adds cost and complexity. For routine orthopedic evaluation it is rarely necessary. CPT 73721 (without contrast) is the standard code. CPT 73723 (with and without) costs significantly more.
Orthopedic practices often have preferred imaging centers
Many orthopedic practices own or have referral relationships with specific imaging centers. These may or may not be your cheapest in-network option.
You are not obligated to use the facility your doctor prefers. Ask for the order and check rates with your insurer's provider search tool before you schedule.
The radiologist reads it, your orthopedic surgeon acts on it
The radiologist who reads your MRI bills separately from the facility. Your orthopedic surgeon then reviews those images at your follow-up appointment and charges for that visit.
Three bills from one MRI: facility, radiologist, follow-up appointment. Budget accordingly.