Most insurance plans would NOT pay, at least not in full, because it is out of network. That's one of the big reasons to get insurance that covers medical bills.

MRA? I presume you mean an MRI?? How long ago was this? As when I hurt my shoulder a few years ago and went to SMMC, I understood them to say that they didn't have an MRI machine there. Perhaps it was broken at the time.. ...or they knew that my regular insurance would NOT pay for it. I had travel insurance, which thankfully paid for everything except a $50 deductible. My regular medical insurance would have paid about 50%, AFTER I had satisfied my deductible. ...which would have meant they would have paid ZIP.