Earlier quoted context omitted.
Is insurance the villain on this one of the hospital charging insurance 26k for an MRI?
Possibly all of the above. An MRI shouldn't cost $26k, even with contrast, and at a hospital. If this was non-emergency, it should have been pre-cleared with insurance per their policy.
You could fly to New Zealand, have a scan on a state of the art machine, get a good report, have 3 weeks holiday and fly home. You’d have heaps of money left over.