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How Much Does a Mammogram Cost?

Regular mammograms help catch signs of breast cancer early — which can maximize the chance of successful treatment. However, mammograms are often performed separately from annual physicals and well-woman exams. So, you may have to pay for them individually, and costs can vary by many factors. In this article, we’ll discuss when women should begin getting mammograms, and then dive into the cost of these procedures with and without insurance.

Who should get a mammogram?

The American Cancer Society recommends that women speak to their doctor about undergoing an annual mammogram at age 40. By age 45, it’s recommended that women start getting annual mammograms if they aren’t yet.1

Once you reach age 55, you can continue yearly screening but can also drop down to getting a mammogram every two years. You should continue getting mammograms as long as you’re in good health. Ultimately, speak with your doctor about mammogram frequency.

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How much does a mammogram cost with insurance?

Many health insurance plans cover annual screening mammogram costs for women 40 and older. This makes it easy for you to get your preventive screenings. However, health insurance may offer less coverage for preventive procedures. These procedures are more in-depth and more expensive.

Cancer insurance policies, such as those Aflac offers, can help bridge this gap. Aflac cancer insurance helps with expenses associated with these type of screenings.

Can I qualify for insurance coverage for a mammogram?

As mentioned, screening mammograms are typically covered by health insurance for women 40 and older. Some locations legally require insurance providers to cover certain mammogram procedures for all women of a certain age. As for cancer insurance, it generally helps cover costs associated with a cancer diagnosis.

Furthermore, qualification depends on the type of policy. For example, you may qualify for cancer insurance through your employer if they offer a group cancer insurance policy. Meanwhile, you can apply for an individual cancer insurance policy through providers such as Aflac to help supplement your health insurance.

Does insurance cover a 3D mammogram?

3D mammograms provide a three-dimensional image of the breast. Radiologists take images from multiple angles to view breast tissue in more detail than 2D mammograms. 3D mammography can identify breast cancer more often and has a lower false-positive rate than 2D mammography. As a result, 3D mammography is often more desirable among patients.2

3D mammography may cost more than 2D mammography. Fortunately, many insurance companies help cover the cost of 3D mammography, and some localities require insurers to provide coverage for these procedures.

How much does a mammogram cost without insurance?

Mammogram costs without insurance can vary, but you may pay the full cost out of pocket if you don’t have insurance. Screening mammograms can cost less than diagnostic mammograms, and 2D mammograms can cost less than 3D mammograms. If you’re uninsured, low-cost or no-cost options may be available.3

Do low-cost or no-cost mammograms mean lower quality?

It’s understandable to be concerned about care quality regarding low-cost and no-cost mammograms. However, every mammography facility in the U.S. must abide by criteria specific to the Mammography Quality Standards Act (MQSA).3 Furthermore, every facility must undergo annual FDA inspections to ensure they meet quality and care standards. These regulations and inspections include low-cost and no-cost facilities. Therefore, you can expect the same baseline level of care, regardless of your financial situation.

Cancer insurance can help you cover breast cancer-related costs

Regular mammograms can be important for women ages 40 and older. These preventive procedures can help catch signs of cancer early so that you and your medical providers can act immediately.

Fortunately, low-cost and no-cost options are available, and they are regulated to help ensure they offer the same baseline level of quality and care as other facilities. As a result, you can get the care you need no matter your situation.

Cancer insurance such as Aflac’s can offer further added financial peace of mind if you receive a diagnosis. When you file a claim with your Aflac policy, you receive a cash benefit for use to help on anything — whether that’s medical bills, mortgage or rent payments, or medication refills. Speak with an Aflac agent to see how cancer insurance can help protect you in your time of need.

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