HIV test (antigen/antibody combo) Cost by Hospital

HIV test (antigen/antibody combo) is a laboratory test. Prices are from 2219 US hospitals across 52 states, from their machine-readable files.

$83median cash price · 2219 hospitals, 52 statestypically $28–$218 depending on the hospital
≈ 3.4× Medicare · On the higher sideFind hospitals near you

Price comparison (median)

Chargemaster (list price)
$140
Cash / self-pay
$83
Insurer-negotiated
$36
Medicare pays
$24
$28$218
Median cash $83  ·  Medicare $24  ·  bar = typical cash range (10th–90th percentile)
Is this a fair price?
1× Medicarefair ≈2×5×+

Typical cash price here is $83 — about 3.4× the Medicare rate ($24). On the higher side. A fair cash price is usually within ~2× Medicare ($48).

💡 Asking for the cash price instead of the $140 list price could save about $57 (41%).

Estimate what you’ll pay
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Rough estimate from this procedure’s median insurer-negotiated rate. Your actual cost depends on your plan — confirm with your insurer.

Lowest cash prices

HospitalLocationCashInsurerCMS ratingER waitReadmit
Methodist McKinney Hospital Mckinney, TX $13 $26 92 min 15.4%
Banner Fort Collins Medical Center Fort Collins, CO $13 $52 114 min 15.0%
UCI Health-Orange Orange, CA $13 $33 ★ 4/5 323 min 14.7%
UCI Health-Fountain Valley Fountain Valley, CA $13 $33 ★ 2/5 161 min 15.7%
Saint Vincent Hospital Erie, PA $13 $25 ★ 4/5 212 min 14.7%
Unity Health-Jacksonville Jacksonville, AR $13 130 min 15.2%
Unity Health-Newport Newport, AR $13 104 min 15.4%
Dayton General Hospital Dayton, WA $14 $15 102 min 14.9%
Acadia General Hospital Crowley, LA $14 $24 ★ 3/5 108 min 15.4%
Jefferson Hospital Louisville, GA $14 $25 92 min 15.2%
Jefferson Hospital Jefferson Hills, PA $14 $25 ★ 4/5 172 min 15.4%
Banner Gateway Medical Center Gilbert, AZ $14 $30 ★ 3/5 223 min 15.3%
Banner Heart Hospital Mesa, AZ $14 $30 ★ 2/5 14.4%
Hillsdale Hospital Hillsdale, MI $14 $23 ★ 3/5 188 min 14.9%
Banner-University Medical Center South Campus Tucson, AZ $15 $30 ★ 4/5 275 min 14.5%
St Mary Medical Center Long Beach, CA $15 $20 ★ 5/5 153 min 14.0%
St Mary-Corwin Hospital Pueblo, CO $15 $20 ★ 4/5 167 min 14.8%
University of Texas Medical Branch Galveston Galveston, TX $15 $24 ★ 3/5 191 min 16.0%
San Gorgonio Memorial Hospital Banning, CA $15 $25 ★ 3/5 191 min 14.6%
Hemet Global Medical Center Hemet, CA $16 $14 ★ 1/5 217 min 14.6%
Menifee Global Medical Center Sun City, CA $16 $16 186 min 16.2%
Banner Boswell Medical Center Sun City, AZ $16 $32 ★ 3/5 227 min 14.3%
Canonsburg General Hospital Canonsburg, PA $16 $25 ★ 3/5 155 min 15.6%
Forbes Hospital Monroeville, PA $16 $25 ★ 3/5 252 min 16.5%
Baptist Health Medical Center Heber Springs Heber Springs, AR $16 $40 ★ 3/5 115 min 15.2%

CMS rating = overall hospital star rating (1–5); ER wait = median minutes in the emergency department; Readmit = 30-day readmission rate (lower is better) — all from Medicare’s Care Compare; “—” = not reported. Data last updated August 2026. Prices from hospitals’ machine-readable files (45 CFR §180); Medicare benchmark from CMS PFS/CLFS/IPPS. Prices below 15% of the median are excluded as likely partial or mis-coded charges. Estimates — confirm with the hospital. Report an incorrect price.

What insurers pay for HIV test (antigen/antibody combo)

Median in-network negotiated rate by insurer, across hospitals that publish it (cheapest first). Your actual rate depends on your specific plan and deductible. Cash / self-pay for comparison: $83; Medicare pays $24.

InsurerHospitalsNegotiated median
Medicaid 336
$21
$14 – $43
Amerigroup 173
$24
$5 – $51
UnitedHealthcare 1477
$24
$15 – $117
Tricare / VA 431
$24
$21 – $73
Medicare 517
$24
$20 – $43
Independent Health 51
$24
$21 – $26
Devoted Health 251
$24
$24 – $27
Univera 15
$25
$20 – $36
MVP Health Care 78
$25
$19 – $99
EmblemHealth 62
$25
$19 – $88
Humana 1020
$26
$22 – $211
Molina Healthcare 553
$26
$14 – $54
Highmark 121
$26
$16 – $89
Centene / Ambetter 796
$27
$20 – $120
AmeriHealth 243
$27
$15 – $83
Bright Health 64
$28
$24 – $48
Kaiser Permanente 221
$30
$17 – $117
Anthem 580
$30
$11 – $127
Priority Health 48
$31
$13 – $108
UPMC Health Plan 100
$38
$24 – $116
Health Net 298
$41
$14 – $189
Oscar Health 217
$41
$25 – $74
UCare 63
$42
$21 – $100
AvMed 55
$43
$16 – $242
Geisinger 68
$44
$24 – $121
Aetna 1352
$44
$22 – $175
Blue Cross Blue Shield 1251
$45
$21 – $166
SelectHealth 46
$47
$21 – $120
Medica 227
$52
$24 – $140
Coventry 150
$53
$23 – $187
HealthPartners 249
$56
$25 – $183
Cigna 1138
$57
$20 – $184
Harvard Pilgrim 51
$60
$24 – $144
Workers' Comp / No-Fault 137
$61
$29 – $170
Sanford Health Plan 63
$65
$24 – $138
Security Health Plan 54
$70
$24 – $126
Healthcare Highways 48
$80
$33 – $204
MultiPlan / PHCS network 835
$94
$26 – $266

Negotiated rates are from hospitals’ machine-readable files (45 CFR §180); payer names are normalized to major brands, so a brand may span several plans. Estimates — confirm with your insurer.

Where it’s cheapest

StateMedian cash
New Jersey$28
Mississippi$30
Maine$30
Alabama$41
Arkansas$44
Arizona$45

Prices by city

Prices by state

Doctors who perform this

Clinicians who reported the most Medicare volume for this service. This reflects Original Medicare activity only and is a volume signal, not a quality ranking.

Does Medicare cover HIV test (antigen/antibody combo)?

Yes — Medicare generally covers HIV test (antigen/antibody combo). It is typically an outpatient service under Medicare Part B, with a Medicare-approved amount of about $24. After your annual Part B deductible, you typically owe the 20% coinsurance — roughly $5 — unless a Medicare Advantage or supplemental (Medigap) plan covers it.

General guidance from Medicare’s national rates — your actual coverage and share depend on medical necessity, your plan, and where the service is performed. Confirm with Medicare or your plan.

About these prices

Based on prices published by 2219 US hospitals across 52 states, the typical (median) cash price is $83, versus a chargemaster (list) price around $140, a median insurer-negotiated rate of $36, a Medicare rate of about $24. Most cash prices fall between $28 and $218 — a wide spread, which is exactly why comparing hospitals pays off.

How to save

  • Ask each hospital for its cash / self-pay price — for shoppable services it is often far below the list price.
  • Compare several nearby hospitals; prices for the same service can differ severalfold.
  • Request a written estimate and the billing code (CPT/DRG) before scheduling.
  • Use the Medicare benchmark above to judge whether a quote is reasonable.
  • If you are uninsured, ask about financial assistance or prompt-pay discounts.

Frequently asked questions

How much does HIV test (antigen/antibody combo) cost without insurance?
The median cash (self-pay) price across 2219 US hospitals is $83. Most hospitals fall between $28 and $218. Prices vary widely between hospitals, so it pays to compare before you book.
Does Medicare cover HIV test (antigen/antibody combo)?
Yes — it is generally covered under Medicare Part B as an outpatient service (Medicare-approved amount about $24). After your Part B deductible you typically owe 20% coinsurance, unless a Medicare Advantage or Medigap plan covers it.
What does Medicare pay for HIV test (antigen/antibody combo)?
Medicare pays about $24. We show this as a benchmark — a fair cash price is often within a few multiples of the Medicare rate.
Why do HIV test (antigen/antibody combo) prices vary between hospitals?
Hospitals set their own chargemaster and cash prices and negotiate different rates with each insurer, so two hospitals in the same area can charge very differently for the same service.
Is the cash price lower than using insurance?
Sometimes. If you are uninsured or have a high deductible, the cash/self-pay price can be lower than the insurer-negotiated rate — ask the hospital for both.

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