CT scans are usually covered by insurance if a physician requires the test to treat a medical condition, according to Nerdwallet. CT scans that are ordered by a doctor are honored by Medicare B insurance. However, the patient pays 20 percent of the cost of the scan, according to Medicare.gov.
Some insurance companies may pay for a CT scan based on whether or not the policyholder is pre-approved for the test, as Nerdwallet explains. However, CT scans for routine screening are usually not covered by insurance. The cost of a CT scan may vary from state to state, and insurers may apply various pre-approval criteria before authorizing a scan.