Last updated: March 2026
How Much Does Cortisol Test Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Morning Serum Cortisol | $40 – $100 | $10 – $25 |
| 24-Hour Urinary Cortisol | $50 – $130 | $15 – $35 |
| Salivary Cortisol (late-night) | $40 – $100 | $10 – $25 |
| ACTH Stimulation Test | $100 – $300 | $25 – $75 |
CPT/ADA Code: CPT 82533
What Affects the Cost
- Facility type (freestanding center vs. hospital — hospitals cost 2-3x more)
- Geographic location
- Complexity of the visit or test
- Whether additional tests or procedures are needed
- In-network vs. out-of-network provider
- Time of day (emergency/after-hours may cost more)
Insurance Coverage
Typical coverage: Covered as diagnostic when adrenal or pituitary disorders are suspected
Most diagnostic tests and urgent care visits are covered when medically necessary with a doctor's order. You'll pay your deductible first, then coinsurance (typically 20-40%). Preventive screenings are covered at $0 under the ACA. Always use in-network providers to avoid surprise bills.
How to Save Money
- Freestanding facilities cost 50-70% less than hospital-based
- Ask for cash-pay pricing upfront — often 40-60% less than billed rate
- Compare prices on MDsave.com or Healthcare Bluebook
- Use urgent care instead of ER for non-emergencies (save $1,000+)
- Telehealth visits cost $50-$100 for many conditions
- Check if the service qualifies as preventive care ($0 with insurance)
Related Procedures & Costs
Frequently Asked Questions
Cortisol testing helps diagnose Cushing's syndrome (excess cortisol), Addison's disease (insufficient cortisol), and adrenal insufficiency. It can also evaluate pituitary gland function.
Yes, when ordered to evaluate symptoms such as unexplained weight gain, muscle weakness, high blood pressure, or fatigue. Standard diagnostic lab coverage applies.
Morning serum cortisol should be drawn between 7-9 AM when levels peak naturally (6-23 mcg/dL is normal). Late-night salivary cortisol is collected at 11 PM when levels should be lowest.