@mathompson x-rays will diagnose fractures in my experience. Is there another reason to have an MRI? Can you ask your doctor if you can do an x-ray instead?

Osteoporosis doesn't cause pain. Since your pain is in the rib area, maybe an MRI is needed to evaluate other things going on besides fractures. It will certainly give thorough info including soft tissue as well as bone.

I have tinnitus and avoid MRI's and kidney issues which mean no contrast. But they are excellent tools.