STD Testing Insurance Coverage

Does Insurance Cover The Cost of STD Testing?

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Does insurance cover STD testing? Paying the cost of STD testing without insurance probably doesn’t seem very enticing. However, when you consider the cost difference between paying with insurance and testing from home without insurance, you may change your mind. For many people, self paying for an at home STD test is the best option.

It depends on where you are being tested. The traditional method of testing for sexually transmitted diseases involves going to the clinic or doctor’s office, most of which accept insurance. Typically, insurance companies will cover your first test and the rest are paid out-of-pocket. Many people choose to self pay for STD testing for a variety of reasons. 

According to the Centers for Disease Control and Prevention, almost half of Americans will get an STD at some point in their lives. Unfortunately, most STIs don’t show any symptoms. The only way to know for sure if you have them is by testing for them, but without symptoms it is hard to know exactly what to test for. For a full picture of your sexual health, it is best to screen for all of the most common STDs.

How Insurance Works When It Comes To STD Testing

When insurance covers your STD tests, you do pay less upfront. However, if you test with insurance your results will be made available to your insurance company and their affiliates. They will also be reported to the Medical Information Bureau (MIB) database. This information can be used to increase your cost of coverage in the future.

Often, insurance companies will not cover preventative STD testing unless you experience symptoms. In most cases, preventative testing is absolutely necessary as symptoms are often not present. In order to truly know your status, you will need to be tested for all of the most common sexually transmitted infections.

Of course, getting tested through insurance also means that you will likely get a bill for the lab work for your results. While this may not be a big deal to some, it may prevent others, like sexually active teens, from getting tested altogether. Especially when the bill is sent to their parents.

Nobody Needs to Know

A lot of people are understandably nervous about testing. Often they are too shy to go to a clinic or doctor’s office in the first place. This is often true for many sexually active teens. For them, the idea that a bill from an STD testing lab might be reported on their parents’ health insurance is terrifying.

Of course, that’s still no reason to avoid testing entirely. However, this does lead to many young customers (and plenty of older folks, too) asking our customer service team “How much does a STD test cost without insurance?” myLAB Box offers a solution that totally bypasses a need for the insurance companies that would alert third parties. This means that your results remain private.

Alternatives to Insurance

myLAB Box™

One of myLAB Box’s core intentions when developing its at home STD testing service was to make sure that every test package is affordable without insurance. Our tests are about half of the out-of-pocket price of most clinics. Your results will be the same exact lab-certified results that you would receive in these establishments but they remain confidential and secure. There is no risk of your testing data information being shared with your health insurance provider or MIB database.

Ultimately, the price of your home testing kit will depend on which test(s) you decide to order. A brief glance at our product page will show you that individual tests for sexually transmitted diseases will cost $79 each. These tests include the most common infections in the United States, such as syphilisHIVchlamydia, gonorrheagenital herpes (HSV-2) and more.

It may make you feel even better to know how simple and convenient the whole process is. Here’s how it works:

  • Order a home testing kit (You even get free shipping!)
  • Collect a sample using the easy-to-follow instructions.
  • Send the sample off for testing. (More free shipping!)
  • Receive your lab-certified results online in just days.

For a more efficient and cost-effective testing option, myLAB Box’s combination testing panels allow you to test for multiple STDs with a single sample set. It’s a great way to track multiple potential infections with minimal effort or cost!

  • Safe Box: This 5-panel kit screens for HIV, Chlamydia, Gonorrhea and Trichomoniasis. | $189
  • Uber Box: This 8-panel kit screens for HIV (I & II), Hepatitis C, Herpes type-II (HSV-2), Herpes Simplex Type II, Syphilis, Chlamydia, Gonorrhea and Trichomoniasis. | $269
  • Total Box: This comprehensive 14-panel test screens for HIV (I & II), Hepatitis C, Herpes type-II (HSV-2), Syphilis, Chlamydia (genital, throat, and rectal), Gonorrhea (genital, throat, and rectal), Trichomoniasis and Mycoplasma genitalium. | $369 ($399 with an HPV option for women who are 30 years of age and older)

We also accept FSA and HSA payment cards. Most people can use these cards by entering the information when checking out, just as they would with any other payment method.

While we can’t accept any and all forms of payment, please reach out to our friendly customer service team while placing your order. We’d love to help you find an affordable testing solution. myLAB Box’s STD testing without insurance is a fantastic option that’s priced to fit any budget.

With STIs and STDs, time is of the essence. View our at home tests here.

Reviewed by Luis Ferdinand M. Papa, MD, MHA