HIV test (antigen/antibody combo) is a laboratory test. Prices are from 2219 US hospitals across 52 states, from their machine-readable files.
Price comparison (median)
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%).
Rough estimate from this procedure’s median insurer-negotiated rate. Your actual cost depends on your plan — confirm with your insurer.
Lowest cash prices
| Hospital | Location | Cash | Insurer | CMS rating | ER wait | Readmit |
|---|---|---|---|---|---|---|
| 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.
| Insurer | Hospitals | Negotiated median |
|---|---|---|
| Medicaid | 336 |
$14 – $43 |
| Amerigroup | 173 |
$5 – $51 |
| UnitedHealthcare | 1477 |
$15 – $117 |
| Tricare / VA | 431 |
$21 – $73 |
| Medicare | 517 |
$20 – $43 |
| Independent Health | 51 |
$21 – $26 |
| Devoted Health | 251 |
$24 – $27 |
| Univera | 15 |
$20 – $36 |
| MVP Health Care | 78 |
$19 – $99 |
| EmblemHealth | 62 |
$19 – $88 |
| Humana | 1020 |
$22 – $211 |
| Molina Healthcare | 553 |
$14 – $54 |
| Highmark | 121 |
$16 – $89 |
| Centene / Ambetter | 796 |
$20 – $120 |
| AmeriHealth | 243 |
$15 – $83 |
| Bright Health | 64 |
$24 – $48 |
| Kaiser Permanente | 221 |
$17 – $117 |
| Anthem | 580 |
$11 – $127 |
| Priority Health | 48 |
$13 – $108 |
| UPMC Health Plan | 100 |
$24 – $116 |
| Health Net | 298 |
$14 – $189 |
| Oscar Health | 217 |
$25 – $74 |
| UCare | 63 |
$21 – $100 |
| AvMed | 55 |
$16 – $242 |
| Geisinger | 68 |
$24 – $121 |
| Aetna | 1352 |
$22 – $175 |
| Blue Cross Blue Shield | 1251 |
$21 – $166 |
| SelectHealth | 46 |
$21 – $120 |
| Medica | 227 |
$24 – $140 |
| Coventry | 150 |
$23 – $187 |
| HealthPartners | 249 |
$25 – $183 |
| Cigna | 1138 |
$20 – $184 |
| Harvard Pilgrim | 51 |
$24 – $144 |
| Workers' Comp / No-Fault | 137 |
$29 – $170 |
| Sanford Health Plan | 63 |
$24 – $138 |
| Security Health Plan | 54 |
$24 – $126 |
| Healthcare Highways | 48 |
$33 – $204 |
| MultiPlan / PHCS network | 835 |
$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
| State | Median 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.
| Clinician | Specialty | Location | Medicare services |
|---|---|---|---|
| Tim Zheng, MD | Pathology | Oaks, PA | 69 |
| Michelle Foye, MD | Internal Medicine | Bethel, CT | 58 |
| Lisa Laird, M.D. | Pathology | New Britain, CT | 49 |
| Michelle Beaupre, M.D. | Family Practice | East Bridgewater, MA | 43 |
| Paul Girardi, D.O. | Emergency Medicine | Berkeley Heights, NJ | 43 |
| Kraiyuth Vongxaiburana, M.D. | Neuropsychiatry | Gainesville, FL | 36 |
| Naveen Patil, MD | Infectious Disease | Little Rock, AR | 26 |
| Matthew Prokey, PA-C | Physician Assistant | Fall River, MA | 21 |
| Emily Ferguson, MD | Family Practice | Putnam, CT | 19 |
| Sergio Bures, MD | Pulmonary Disease | Katonah, NY | 15 |
| Umbreen Hasan, MD | Rheumatology | Coon Rapids, MN | 13 |
| Matthew Friedman, M.D. | Family Practice | South Windsor, CT | 13 |
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?
Does Medicare cover HIV test (antigen/antibody combo)?
What does Medicare pay for HIV test (antigen/antibody combo)?
Why do HIV test (antigen/antibody combo) prices vary between hospitals?
Is the cash price lower than using insurance?
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