How Much Does Allergy Test Cost Without Insurance in USA? Full Guide 2023

The cost of an allergy test without insurance in the USA varies depending on the type of test, the provider, and the location. However, generally in the USA, you can expect to pay between $60 and $300 for skin testing and between $200 and $1,000 for blood testing.

In the USA, allergy testing is typically covered by insurance. But, if you do not have insurance, or if your insurance does not cover allergy testing, you will need to pay out of pocket.

Different Types of Allergy Tests and Their Cost:

1. Skin Prick Test (SPT)

This test involves placing a small amount of allergen extract on the skin, usually on the forearm, and then pricking the skin to allow the allergen to enter. The cost for an SPT can range from $60 to $300 per test.

2. Blood Test (RAST or Immuno CAP)

These tests measure specific antibodies (IgE) in your blood in response to allergens. Blood tests tend to be more expensive, ranging from $200 to $1,000 or more, depending on the number of allergens tested.

3. Patch Test

Patch testing is used to diagnose contact dermatitis and involves applying patches containing common allergens to the skin. The cost typically ranges from $150 to $700.

4. Food Allergy Testing

This can include blood tests or oral food challenges. The cost varies widely depending on the number of foods tested and the method used, but it can range from $200 to $1,000 or more.

5. Spirometry or Pulmonary Function Test

If respiratory allergies are suspected, these tests may be performed to assess lung function. The cost may vary from $40 to $150.

6. Nasal Endoscopy

This test may be used to evaluate nasal allergies and can cost between $200 and $1200.

7. Epicutaneous Patch Testing

This is used for evaluating allergic reactions to substances that come into contact with the skin. Costs can vary, ranging from $100 to $400.

How to Find the Best Price for an Allergy Test?

Understanding your insurance plan is the first step to navigating allergy testing. Begin by checking your plan’s coverage details in the summary of benefits and coverage (SBC). This will help you grasp essential terms like deductible, copay, and coinsurance, which determine your financial responsibilities.

Next, shop around for healthcare providers who offer allergy testing. You can make this task easier by using your insurance company’s website or app to identify in-network providers. Additionally, consulting your primary care doctor for recommendations can be helpful.

Once you have a list of potential providers, reach out to them for cost estimates. Don’t forget to inquire about the price of the allergy test itself, as well as any other associated expenses like office visit fees and reading the test results.

Now comes the crucial step of comparing the quotes you’ve gathered from different providers. Take into account your insurance coverage when evaluating the costs. This will help you decide which provider offers the best value for your specific situation. By following these steps, you can effectively manage the financial aspects of your allergy testing.

Benefits of Allergy Testing with Insurance

Allergy testing is often covered by insurance, making it affordable even for those with high deductibles. It helps doctors pinpoint specific allergens, improving treatment and quality of life. Crucially, it identifies those at risk of severe complications like asthma attacks and anaphylaxis, enabling timely intervention for safer, symptom-free living.

Some of the benefits, allergy testing can also be beneficial for people who:

1. Have allergies that are difficult to control with medications.
2. Are considering immunotherapy (allergy shots).
3. Are concerned about the risk of developing new allergies.
4. Are having allergic reactions to unknown substances.
5. Have a family history of allergies.

To maximize your insurance-covered allergy testing:

• Ask your doctor for an in-network allergist referral.
• Call your insurance to confirm coverage and costs.
• Share your medical history and symptoms with the allergist.
• Discuss all treatment options, such as immunotherapy and medications.
• Follow your allergist’s instructions closely for the best results.

FAQs

How much does an allergy test cost without insurance in the USA?

Allergy test costs in the USA vary widely. Skin prick tests range from $60 to $300, while blood tests can be $200 to $1,000 or more. Contact providers for specific pricing.

Does health insurance cover allergy testing in the USA?

Generally, yes. Most health insurance plans cover allergy testing, but coverage varies. Review your plan’s details and contact your provider for copays and deductibles.

How to find affordable allergy testing with or without insurance?

Start by checking your insurance coverage and seeking in-network providers. Get cost estimates from providers, including additional fees. Compare these with your insurance coverage for the best option.