Are STD Tests Covered by Insurance?

Are STD tests covered by insurance? This is a question we hear quite frequently. Truthfully, the answer can be a bit complicated. Here’s the rundown:

Are STD Tests Covered by Insurance? The “Clinic” Answer

The short answer here is “sometimes.” The truth is, many insurance companies will cover your first test and it largely depends on what type of insurance plan you have and which test you’ve ordered. However, since there are numerous common infections passed through sexual activity, it’s likely that you will need to be screened for multiple infections. After all, that’s the only real way to know the status of your health. In some cases, you will need to pay out-of-pocket.

Are STD Tests Covered by Insurance? The “myLAB Box” Answer

Luckily, myLAB Box’s at-home STD test kits are designed to be affordable even without insurance. In fact, these home tests are approximately half of the out-of-pocket cost at most clinics and doctor’s office. You can still test for a single infection if you prefer. Additionally, there are a number of options that allow you to screen for multiple infections with a single test kit.  This includes the 5-panel Safe Box, the 8-panel Uber Box, the Love Box that allows you to test with your partner, the women’s health V-Box, and the 14-panel Total Box.

To make these tests even more accessible, myLAB Box has other options. The service accepts most FSA and HSA cards for those who need additional financial assistance. You can use one of these cards by entering its information when you check out, just as they would with any other payment method.

So, are STD tests covered by insurance? Well, not only are myLAB Box’s at-home test kits an easy and reliable way to test at any time and from any place.  They are also an affordable method of testing. Even without insurance.

Reviewed by Luis Ferdinand M. Papa, MD, MHA