How much does an STD test cost? Prices compared

What you pay for an STD test depends on how many infections it checks, how you give the sample and whether insurance or a public program pays. The cheapest full panel we track right now costs $139 (verified Oct 30, 2026) at STDcheck.com. The cheapest single HIV test costs $49 (verified Oct 30, 2026) at STDcheck.com. Free and low-cost clinics can cost less, sometimes nothing.

Key points

• A single test costs less than a panel, but several single tests can add up to more than one panel from the same provider.
• Online services post their price before you order. Some add a physician fee or shipping at checkout, and the notes in our tables list them.
• Clinics and urgent care centers usually charge for the visit as well as the tests.
• With insurance, many plans must cover certain STI screenings with no copay at an in-network provider. Other tests can count toward your deductible.
• Many clinics offer free or low-cost testing, and CDC's GetTested site finds them.

STD test prices by test

This table shows the lowest and highest current price for each test among the providers we track, how many providers sell it and where it costs least. Select a test to see every price.

Some providers sell a test only inside a larger panel, which pushes the top of its range up. The full panel and common 4 pages list what each panel includes.

What changes the price

One test or a panel. A panel checks several infections in one order, so it costs more than any single test in it. No rule defines a "full panel," and two panels with similar names can cover different infections. Our full panel guide explains how to choose.

How you give the sample. You can order online and visit a lab, use a home kit you mail back, or see a clinician. A clinic visit usually adds a fee for the visit itself. Home kits add shipping time.

Fees at checkout. Some services add a physician fee to each order, and some home kits charge shipping on smaller orders. Others include these costs in the price. The notes in our tables show what each provider adds.

The kind of test. Some providers sell an HIV RNA early detection test alongside their standard HIV test, at a higher price. The table above uses each provider's cheapest option.

Symptoms and exams. Planned Parenthood says the cost depends on which infections you test for and whether you have symptoms or need an exam, as well as your income and your insurance.

Cost by route: lab, home kit or clinic

These are the cheapest current prices for a full panel and the basic 4-test panel on each route:

Urgent care

Urgent care centers usually charge for the visit and add fees for tests sent to a lab. WellNow, for example, charges one flat self-pay rate for a clinic visit, which covers point-of-care tests, and STI panels sent to an outside lab cost extra. Our urgent care guide lists the self-pay prices that centers publish and how long results take.

Planned Parenthood

Planned Parenthood says what you pay depends on where you go, the tests you need, your income if there's a sliding scale, and whether you use health insurance. It says testing can be free or low cost with insurance or some government programs. Our Planned Parenthood guide shows the prices its affiliates publish.

How much does an STD test cost with insurance?

Routine screening often costs nothing if you're in the group a screening covers and you use an in-network provider. HealthCare.gov says all Marketplace plans and many other plans must cover a list of preventive services without charging a copayment or coinsurance. For adults, the STI items include:

• HIV screening for everyone 15 to 65, and other ages at increased risk.
• Hepatitis C screening for adults 18 to 79.
• Hepatitis B screening for people at high risk.
• Syphilis screening for adults at higher risk.

For women, the list adds chlamydia screening for younger women and other women at higher risk, and gonorrhea screening for women at higher risk. HealthCare.gov also says coverage may vary and that a zero cost isn't guaranteed in every case.

Tests outside that list, or a visit for symptoms, may count toward your deductible. HealthCare.gov defines the deductible as the amount you pay for covered care before your plan starts to pay. After a claim, your insurer sends an explanation of benefits (EOB). The Texas Department of Insurance says it shows the date of care, the services, what the insurer pays and what you might owe.

So, does insurance cover STD testing? For the screenings above, usually yes. For other tests, it depends on your plan. Our cash vs insurance guide helps you work out which costs less.

How much does an STD test cost without insurance?

Without insurance, you pay the listed price. Online services post it before you order, and the table at the top of this page shows the current range for each test. Several of them don't bill insurance at all. STDcheck says it doesn't accept insurance but can give you an itemized receipt. Quest's consumer site says it doesn't bill insurance and that purchases can't be submitted for reimbursement.

At a clinic or urgent care center, ask for the total for the visit and each test before your sample is taken.

Free and low-cost STD testing

CDC says many clinics offer confidential, free or low-cost testing, and its GetTested site finds testing near you. HHS says Title X family planning clinics provide services regardless of ability to pay. Our free testing guide explains what to expect.

Free option: public clinics

Free and low-cost testing is available at health department clinics and Title X family planning clinics. CDC's GetTested site finds confidential, free or low-cost testing near you by ZIP code.

What to expect

• Clinics usually test for chlamydia, gonorrhea, syphilis and HIV, and often hepatitis B and C, following CDC screening advice for your age, anatomy and the kind of sex you have.
• A clinician can examine you, swab sores and often treat you in the same visit.
• Some tests sold in private panels are usually not offered without symptoms, such as herpes blood tests and HPV tests for men, because CDC doesn't recommend them as screening tests.
• Hours can be limited, and you may wait for an appointment or a walk-in slot.
• Free testing usually isn't anonymous either (some publicly funded sites offer anonymous HIV testing). Positive results for reportable infections are reported to the health department, confidentially.

Find free testing near you (opens in a new tab)More about free testing

CVS STD test cost

CVS sells its own home kit, the CVS Common STI Test Kit. You mail a urine sample to a lab, which tests it for chlamydia, gonorrhea and trichomoniasis. The kit costs $89.99 (verified Oct 31, 2026) at CVS Health. It doesn't test for syphilis, HIV or hepatitis, and CVS doesn't ship it to New Jersey, New York, Rhode Island or Puerto Rico.

MinuteClinic, CVS's walk-in clinic, tests patients 18 and older for chlamydia, gonorrhea, hepatitis B and C, herpes, HIV, HPV, syphilis and trichomoniasis. It says most insurance is accepted, and it offers a cost estimate if you're uninsured or prefer to pay out of pocket. Its published out-of-pocket price list covers physicals and travel care, not STI testing.

Paying with an HSA or FSA

IRS Publication 502 counts laboratory fees that are part of medical care as a medical expense, which is why HSA and FSA money can pay for an STD test. The HSA/FSA column in our comparison table shows which providers say they accept these cards. Our HSA and FSA guide covers receipts and reimbursement.

How to pay less

• Buy the tests you need. A bigger panel isn't always better value. Our which-test tool helps you choose.
• Add up single tests first. Once you need three or four tests, compare the total with a panel from the same provider.
• Compare the full cost. Read the notes for physician fees, shipping and states where a test isn't sold.
• Use what you already have. In-network preventive screening, an HSA or FSA, or a free clinic can lower the cost.
• Rely on checked codes only. Our tables show a promo price, with its code, only after we've confirmed it on the provider's site. The price at checkout is the one you pay.