Insurance We Accept for STD Testing
Does insurance cover STD testing at STD Center NY? Yes. We accept four insurance plans, and even if we don't take yours, your lab tests and any medicine still go through your insurance.
We Accept These 4 Insurance Plans
- Aetna
- Anthem Blue Cross Blue Shield (formerly Empire)
- Oxford
- UnitedHealthcare
We don't accept Medicare or Medicaid plans, or Blue Cross Blue Shield plans from other states.
Not sure about your plan? Call 212.696.5900 before you come.
What Your Insurance Covers at Our Office
Your visit can lead to three separate bills: one from our office, one from the lab and one from your pharmacy. Only the office visit depends on whether we take your plan.
| We take your plan | We don't take your plan | |
|---|---|---|
| Office visit | Billed to your plan | $90, paid at our office |
| Lab tests | The lab bills your plan | The lab bills your plan |
| Medicine | Your pharmacy fills it with your plan | Your pharmacy fills it with your plan |
We send your sample to Quest or Northwell, whichever takes your insurance, so the lab bill goes to your plan either way. If a result is positive, we call the prescription in to the pharmacy you choose.
Your plan decides what you owe on each bill: nothing, a copay, coinsurance, or part of your deductible. No insurance, or you'd rather not use it? The visit is $90 and the lab bills you for your tests. See our self-pay prices.
When STD Testing Is Free With Insurance
Most plans must pay the full cost of certain screening tests — tests done when you have no symptoms — if you are in the group the test is recommended for, and the office and lab are in your plan's network. You owe no copay, even before you meet your deductible.
| Test | Free for |
|---|---|
| HIV | Everyone aged 15 to 65, and people of other ages at increased risk |
| Hepatitis C | Adults aged 18 to 79 |
| Syphilis | Adults at increased risk |
| Hepatitis B | People at high risk |
| Chlamydia | Sexually active women 24 and younger, and women 25 and older at increased risk |
| Gonorrhea | Sexually active women 24 and younger, and women 25 and older at increased risk |
Sources: HealthCare.gov and the U.S. Preventive Services Task Force.
When You May Pay Part of the Cost
Your plan may apply your copay, coinsurance or deductible when:
- You have symptoms. A test to find the cause of a symptom counts as diagnostic care, not screening.
- The test isn't on the free list for you. This includes chlamydia and gonorrhea tests for most men, and herpes, trichomoniasis, mycoplasma and ureaplasma tests for everyone.
- You haven't met your deductible. For tests that aren't free, you may pay their full cost until you reach it.
- Your plan is "grandfathered". A plan that dates from March 23, 2010 or earlier doesn't have to cover screening for free. Your plan's papers say whether yours is one.
- We don't take your plan. You pay the $90 office visit, and a visit outside your plan's network may not count as free screening.
To know your cost before you come, call the number on your insurance card and ask:
- Is STD screening covered at no cost for me?
- What will I owe for lab tests at Quest or Northwell?
What Insurance Doesn't Pay For Here
- Rapid tests. We don't bill them to insurance. They cost $70 to $180 per test, paid at the visit, with no office visit fee, and give results in 30 minutes. See rapid STD testing.
- Repayment from your insurer. We don't give receipts to send to your insurer for repayment. If you have insurance, use it at the visit.
Before Your Visit
Bring:
- Your insurance card
- A government-issued ID for lab tests
- A card for payment. We take HSA and FSA cards. Credit cards add a 3.5% fee; debit, HSA and FSA cards don't.
Lab results take 1 to 2 days for blood tests and 3 to 5 days for urine and swab tests.
I see every patient myself, whichever way you pay.
