Last updated: March 2026
How Much Does Urine Test (Urinalysis) Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Dipstick Urinalysis | $30 – $60 | $0 – $15 |
| Urinalysis with Microscopy | $50 – $120 | $10 – $30 |
| Urine Culture | $40 – $100 | $10 – $25 |
| 24-Hour Urine Collection | $80 – $200 | $20 – $50 |
CPT/ADA Code: CPT 81001
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: Usually covered as diagnostic; $0-$30 copay
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
A urinalysis checks for urinary tract infections, kidney disease, diabetes, and dehydration by analyzing the color, concentration, and content of urine including white blood cells, red blood cells, glucose, and protein.
Yes. When ordered by a doctor for a medical reason, urinalysis is covered as a diagnostic test. Preventive screenings during annual physicals are also typically covered at 100%.
Dipstick results are available in minutes during your visit. Urine cultures take 24-72 hours because the lab must grow any bacteria present.