Last updated: March 2026
How Much Does STD Testing Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Individual STD Test (chlamydia/gonorrhea) | $30 – $100 | $0 – $20 |
| Comprehensive STD Panel | $100 – $500 | $0 – $100 |
| HIV Test | $20 – $75 | $0 – $0 |
| At-Home STD Test Kit | $50 – $250 | $50 – $250 |
CPT/ADA Code: 87491
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: Screening covered at $0 for recommended populations; diagnostic has cost
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
Yes — Planned Parenthood, health departments, and community clinics offer free or low-cost testing. ACA covers HIV screening at $0. Many tests are free for young adults.
$100-$300 without insurance for a basic panel. With insurance, typically $0-$50 copay for the visit plus any lab costs after deductible.
FDA-approved at-home tests (Everlywell, myLAB Box) are reliable for screening. Confirm positive results with a doctor. In-lab testing remains the gold standard.