An MRI is a medical imaging test that uses a strong magnetic field and radio waves to create detailed pictures of the inside of your body. It does not use X-rays. To get one, you usually need a referral from a doctor or other licensed provider, your insurance often needs to approve it first, and the scan itself is typically scheduled within days to a few weeks depending on where you live and how urgent the reason is. Results normally reach the ordering provider within a few days, though some findings are called in sooner.
That is the short version. The rest of this article walks through each step — who can order an MRI, what insurance wants to see, what actually happens during the scan, and why your results sometimes take longer than you expect.
Who Can Order an MRI?
In the United States, an MRI must be ordered by a licensed healthcare provider. That is usually a physician, but depending on your state, it may also be a nurse practitioner, physician assistant, or in some cases a chiropractor or podiatrist ordering imaging related to their own scope of practice.
You cannot typically walk into an imaging center and request an MRI on your own. Some centers do offer “self-referred” scans, but these are usually paid out of pocket and are not the norm for diagnostic testing. A radiologist reads the images, but a radiologist generally does not order the scan — they interpret what another provider requests.
If you have a primary care doctor, that is usually the fastest starting point. If your concern is specific — a knee injury, a persistent headache, a spine issue — the specialist you are already seeing may order it directly.
When Is an MRI Actually Needed?
An MRI is not a first-line test for most problems. Doctors usually reach for it when other tests have not answered the question, or when soft tissue detail matters.
It shows soft tissues — brain, spinal cord, nerves, muscles, ligaments, tendons, and organs — far better than a plain X-ray. It is commonly used for suspected disc problems, ligament tears, certain brain and spinal conditions, and some types of tumors. It does not use ionizing radiation, which is one reason it is often preferred over CT for certain situations, particularly in younger patients or when repeated imaging is expected.
It is also not always the right test. For a suspected broken bone, an X-ray usually comes first. For many abdominal issues, ultrasound or CT may be more appropriate. For someone with a pacemaker or certain metal implants, MRI may be unsafe or may require special precautions. Your provider weighs these factors.
How To Get an MRI Done: Referral To Results, Step by Step
The path from “you need an MRI” to “here are your results” has several distinct stages. Knowing them helps you avoid delays.
Step 1: The referral or order
Your provider writes an order. This is not just a formality — it includes the body part to be scanned, the reason (called the clinical indication), and often specific instructions about what the radiologist should look for. A vague order can lead to an insurance denial or a scan that does not answer the question.
Step 2: Insurance authorization
Many insurance plans require prior authorization for an MRI. This is a review process where the insurer checks whether the scan meets their coverage criteria. It can take anywhere from a day to a couple of weeks. Some plans approve quickly; others request additional records. If your scan is denied, your provider can often appeal or provide more documentation.
If you are paying cash, you can skip this step, but you will want to ask about the price upfront. MRI costs vary widely by facility and region.
Step 3: Scheduling
Once approved, you or your provider’s office calls an imaging center or hospital to book the appointment. Wait times depend heavily on location and urgency. A routine outpatient MRI might be scheduled within days to a few weeks. Urgent cases — for example, suspected spinal cord compression — are often done the same day or next day.
Step 4: Preparation
Most MRIs require little preparation. You may be asked to avoid eating for a few hours if contrast dye will be used. You will be asked to remove metal objects — jewelry, hair clips, hearing aids, watches, and sometimes clothing with metal zippers or snaps.
You will also complete a safety screening form. This is important. Metal inside your body can heat up or move during the scan. Tell the staff about any implants, including pacemakers, cochlear implants, aneurysm clips, joint replacements, bullets or shrapnel, and any history of metal fragments in the eye from welding or grinding.
Step 5: The scan itself
You lie on a table that slides into a tube-shaped machine. The scan is loud — you will be given earplugs or headphones. You need to stay very still. Most scans take 30 to 60 minutes, though some take longer.
Some scans use a contrast agent injected into a vein. This is usually gadolinium-based. Contrast can help certain tissues show up more clearly. If you have kidney problems, tell your provider, because some contrast agents require caution in people with reduced kidney function.
If you are claustrophobic, tell your provider in advance. Options include open MRI machines (which have a less enclosed design but sometimes lower image quality), mild sedation, or anti-anxiety medication. Do not arrange sedation on your own — it needs to be coordinated with the imaging center.
Step 6: Results
A radiologist reviews the images and writes a report. That report goes to the provider who ordered the scan. Turnaround varies — some reports are ready within hours, most within a few days. Urgent or unexpected findings are often communicated by phone or message sooner.
You may get a message in a patient portal before your doctor has had a chance to review the report with you. That can be confusing. It is worth waiting for a conversation rather than trying to interpret the report alone.
Why Results Sometimes Take Longer Than Expected
A few things commonly slow down the process.
- Prior authorization delays. Insurers may request more records or a peer-to-peer review.
- Scheduling backlogs. Some regions have limited MRI machines and long waitlists.
- Incomplete orders. If the clinical question is unclear, the imaging center may send it back.
- Contrast or safety concerns. Kidney function checks or implant verification can add time.
- Subspecialty reads. Some studies are sent to a neuroradiologist or musculoskeletal radiologist, which can add a day or two.
If you have not heard anything after a week for a routine scan, it is reasonable to call the ordering provider’s office and ask about the status.
What to Ask Before and After Your MRI
Good questions save time and confusion.
- What specific question is this scan meant to answer?
- Does my insurance require prior authorization, and who is handling it?
- Will contrast be used, and are there any concerns for me?
- Are there any implants or metal in my body that could be a problem?
- When should I expect results, and who will explain them to me?
After the scan, ask for a plain-language explanation of the findings — not just the report. Reports are written for clinicians, and terms like “unremarkable” or “signal abnormality” can be misread by patients.
Common Misunderstandings About MRI
An MRI does not diagnose everything. It shows structure — anatomy — very well. It does not always explain symptoms. Many people have MRI findings, such as mild disc bulges or small joint changes, that cause no pain at all. That is why the scan has to be interpreted alongside your history and exam, not in isolation.
An MRI is also not interchangeable with other scans. CT is faster and better for certain emergencies, like bleeding in the brain or some fractures. Ultrasound is often preferred for gallbladder, thyroid, and pregnancy-related imaging. The right test depends on the question being asked.
And a normal MRI does not always mean nothing is wrong. Some conditions — certain headaches, fibromyalgia, and many nerve pain syndromes — do not show up on standard MRI. A normal scan can still be useful information, but it is not the final word.
Frequently Asked Questions
Can I get an MRI without a doctor’s referral?
In most cases, no — a licensed provider must order the scan for diagnostic purposes. Some imaging centers offer self-pay, self-referred scans, but these are usually not covered by insurance and are not standard practice.
How long does it take to get MRI results?
Most radiology reports reach the ordering provider within a few days, though some are ready within hours. Urgent findings are typically communicated sooner by phone or message.
Does insurance always cover an MRI?
No. Many plans require prior authorization and apply coverage criteria based on the reason for the scan. Coverage varies by plan and by the clinical indication.
Is an MRI safe if I have metal in my body?
It depends on the type and location of the metal. Some implants are MRI-safe, some are conditional, and some are unsafe. You must disclose all implants and metal history to the imaging staff before the scan.

