STD Testing Without Insurance

Does Insurance Cover STD Testing?


There are several STDs that you can get from sexual intercourse, including chlamydia, genital herpes, gonorrhea, syphilis and HIV. If you’re sexually active and think you might have an STD, it’s important to get tested as soon as possible. But are there any costs associated with STD testing? And do insurance companies cover the cost of getting tested? Let’s take a look at both questions so that you can get the answers you need to protect your health and well-being.

How do you pay for STD testing?

There are a lot of ways to pay for STD testing. You can pay out of pocket, with insurance, use a credit or debit card, or even choose to write a check.

If you want to pay out of pocket and don’t have any health insurance coverage for this type of treatment (or any at all), your options include:

  • Writing a check.
  • Using the ATM.
  • Using cash or another form of currency like bitcoin if they accept it!

Does health insurance cover STD testing?

The answer to this question is: it depends on your insurance plan. Some plans do, some don’t. Some might only cover certain STDs and not others; some might cover only certain types of testing and not other types; some may even have a limit on how often they will pay for STD testing (for example, you can get tested once per year). You’ll have to check with your provider and/or the website you use to file your insurance claims in order to see what the exact details are for your plan.

Also, some STD test results can make the cost of your insurance go up. An HPV diagnosis could even get your insurance denied or you not approved for a plan in the first place. 

How much does an STD test cost without insurance?

If you don’t have insurance, the cost of your STD tests will depend on what type of test you get, who performs it and where. For example, a doctor’s office may charge more than a walk-in clinic or pharmacy. You should also be aware that some providers require payment in full before they administer the test. If you need to visit an urgent care center because of symptoms and want to pay out of pocket, they may require payment at the time of service so that they can get paid for their services (and hopefully stay open).

In general:

  • A basic lab test for chlamydia or gonorrhea (the two most common STDs) will cost about $50-$100 if done at a doctor’s office or hospital; however, many clinics offer them for free through publicly funded programs like Medicaid or Planned Parenthood Health Centers.
  • An HIV test at a private clinic costs around $75 when done by itself — but this price can double if additional testing is required (like syphilis).
std testing without insurance

Does STD testing show up on insurance bill?

There is no way to know whether or not your STD test results will show up on an insurance bill. Scary, right? It depends entirely on the type of insurance you have and what your doctor decides to do with the information. So, be sure to do your research and ask your insurance agent specific questions about what exactly gets revealed to them from your doctor visits. 

  • Insurance companies often require that a patient’s health care provider submit claims for all tests, treatments, and procedures performed by doctors. This means that if you ask your doctor to bill the insurance company directly (instead of billing a patient), they may be able to see this information in their records.
  • If you would like to make sure there is no record of how much money was spent on testing at your clinic or hospital, then ask them how they bill people who don’t have health insurance coverage. The clinic may be able to bill them directly instead of submitting claims to an insurance company because then there won’t be any record within the system about what types of services were received by patients without coverage. This is especially important, because even if you don’t disclose what tests you got done, many providers or third parties can tell what tests you received by how much you spend or the dollar amount on the bill.

What is the test for STDs?

The test for STDs is a simple blood test or urine test, which can detect infections. The tests are often called STD tests or STI tests (which stands for sexually transmitted infection). These tests are available at private doctors’ offices and public health clinics, as well as some pharmacies and online.

You should use these tests if you think you may have been exposed to one of these diseases because they can help determine whether you need treatment right away in order to avoid serious complications later on.

Where can I get free STD tests?

  • Go to a local health clinic. If you don’t have insurance, or it won’t cover your tests, consider going to a free clinic in your area. These facilities are usually run by nonprofit organizations like Planned Parenthood, who offer STD testing for free or on a sliding scale depending on your income.
  • Get tested at a free clinic. You can find one near you by calling the National STD Hotline at 1-800-227-8922 (24 hours/7 days per week), or by visiting their website []. The hotline is staffed by trained professionals who can give you information about finding an affordable place to get tested and treated if necessary.

It’s important to be tested regularly so you know your status and can stay healthy.

It’s important to be tested regularly so you know your status and can stay healthy. STD testing can be done at a clinic, doctor’s office, lab, pharmacy or sexual health clinic.

Does health insurance cover STD testing


We hope this article has helped you to better understand STD testing and how it works. It’s important to be tested regularly so you know your status and can stay healthy. You can contact us at to get a discreet test done. No one except for you will be notified. For positive test results, we’ll also provide you with a consultation from an expert who can provide antibiotics for a fee. They’ll be able to go over pricing and usage during your meeting. Don’t delay, get tested today and put all your worries away.

Medically Reviewed by on September 24, 2022

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Author: Esther Jordan

Esther Jordan has been a writer ever since she can remember. She has always loved the free gift of self-expression through journaling, creating stories, and sharing life experiences in front of audiences. Public speaking and creating content has been a strong suit of hers since high school. Immediately after college, she received a paid position as an search engine optimization (SEO) writer in 2010 when SEO was still a very brick and mortar concept for a lot of small businesses. It was a time of do-it-yourself websites and online magic that everyone wanted and either referred to it as SEO or pay-per-click (PPC).