I CLEARLY made an exception for emergencies. And contrary to your belief, mri's, are not usually emergency prescribed. I've had around 6 of them. None were emergency situations.
Also it's sad to see that you've given into the status quo.
look, it is a mess, and yes it would be nice to know what someone is going to charge before they service you....
but it simply does not and can not work that way with Insurance in the picture. Each insurance company negotiates on the price they will have to pay the Hospital for each procedure....they sign a contract for that price...your neighbor's insurance company may not have gotten as good a price as your insurance company, for varying reasons...they may have fewer customers in the plan with the hospitals, they may have a plan that is covering only old people who are going to use hospital services more, etc etc etc etc etc.....than the insurance plan you are on, or less....it is filled with variables.... I think I read once that Jjohn Hopkins had 125 different insurance plans with 125 different prices that they had to deal with in their billing office, costing the hospital a fortune in just clerical work keeping up with the different plans and different prices the plans would pay....
It's a royal mess, I agree, but mostly due to the free market with Insurance companies being the middle men collecting the dough for clerical processing........