How STD Testing Can Affect Your Health Insurance

Using health insurance for sexually transmitted disease (STD) testing is a mystery to most people and there is not a lot of information on the web to come to a good answer.

Can Testing Positive for a STD Raise My Health Insurance?

Money RollThere is not a concrete answer that if you test positive for a STD that your health insurance will go out or even be dropped by your health insurance provider. If you are on a private policy then a positive screening for STDs your insurer can raise your rates and for any other reason honestly.  You could even be dropped completely or a rider excluding coverage for any STD-related condition could be attached to your policy.

If you are on a group plan then your rates would not go up.  Your employer would not get hit with a premium increase because of a STD lab test.

Testing with an express private STD testing service keeps this type of testing off your medical records and can save you money in the long run.

Can I Use My Health Insurance for STD Testing?

Most health insurance policies will not cover STD testing unless you are having symptoms related to a STD.  Many STDs are asymptomatic meaning they will not show any signs or symptoms.  Some STD symptoms are similar to other symptoms of common infections such as a cold.  It is not a good idea to wait until you show symptoms to get tested for STDs.  The only 100% way to know if you have an STD is to get accurate medical testing.

Many private STD testing centers will not accept insurance but will assist you by providing all the needed test codes and paperwork needed for your health insurance provider to reimburse you for the testing.

Is it a good idea to call your health insurance company and ask what they do and do not cover.

Should I Use My Health Insurance for STD Testing?