Mammogram Cost and Insurance in Texas
For most people with insurance, a screening mammogram costs nothing out of pocket. The surprises come from the follow-up, and there is help if you are uninsured.
Medically reviewed by Charles Ortega, PA-C, MPAS · Last reviewed October 1, 2026 · Educational information, not medical advice. Innovare Tx does not perform mammograms.
Private insurance
Under the Affordable Care Act, most health plans must cover a breast cancer screening mammogram every one to two years for women 40 and older as preventive care. HealthCare.gov states that these services are generally covered at no cost when provided by an in-network provider, even if you have not met your deductible.
The same preventive list includes breast cancer genetic test counseling (BRCA) for women at higher risk, and counseling about risk-reducing medication for women at higher risk.
Two things to check before you go: that the imaging center is in your network, and whether your plan treats a 3D mammogram the same as a standard one.
Follow-up imaging after a screening mammogram
This is where bills have traditionally appeared. A screening mammogram is preventive; the extra imaging after a callback has often been billed as diagnostic, with a deductible or coinsurance.
That is changing. Federal preventive care guidelines for women were updated so that, for plan years beginning in 2026, most plans must also cover without cost sharing the additional imaging and, when needed, the pathology evaluation required to complete the screening process. Because the change follows your plan year, not the calendar year, call your plan to confirm how it applies to you.
Medicare
Medicare Part B covers three kinds of mammogram:
| Type | Who and how often | What you pay |
|---|---|---|
| Baseline mammogram | Women aged 35 to 39, once in a lifetime | Nothing, if the provider accepts assignment |
| Screening mammogram | Women 40 and older, once every 12 months | Nothing, if the provider accepts assignment |
| Diagnostic mammogram | When medically necessary, more than once a year if needed | 20% of the Medicare-approved amount, after the Part B deductible |
If you do not have insurance
Texas runs the Breast and Cervical Cancer Services (BCCS) program, which funds clinics to provide breast and cervical cancer screening and diagnostic services at no cost to people who qualify. You may qualify if you:
- Live in Texas
- Are a woman 18 or older
- Do not have health insurance, or are underinsured
- Have a household income under the program's monthly limit, which is set at 200% of the federal poverty level. From March 1, 2026 that is $2,660 a month for one person and $5,500 for a family of four.
To find a participating clinic, use the provider search at Healthy Texas Women, or call 2-1-1 and choose the option for women's health care. Income limits are updated each year, so check the current figures there.
Susan G. Komen also runs a free breast care helpline at 1-877 GO KOMEN (1-877-465-6636) that can point you to low-cost screening and financial help.
How we help
Innovare Tx accepts 200+ insurance plans, including Aetna, Blue Cross Blue Shield, Cigna, Medicare and United Healthcare. Before your visit our team can verify your coverage for the visit itself. The mammogram is billed separately by the imaging center, and we can help you work out what to ask them. See insurance and billing or call (214) 233-3094.
Frequently asked questions
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ReadReady to get your screening arranged?
Book a visit at our Addison clinic. We review your risk, help you arrange a mammogram at an imaging center, and go over the results with you.