HIV test (antibody) Cost by Hospital

HIV test (antibody) is a laboratory test. Prices are from 1854 US hospitals across 52 states, from their machine-readable files.

$80median cash price · 1854 hospitals, 52 statestypically $23–$186 depending on the hospital
≈ 5.8× Medicare · High vs MedicareFind hospitals near you

Price comparison (median)

Chargemaster (list price)
$140
Cash / self-pay
$80
Insurer-negotiated
$21
Medicare pays
$14
$23$186
Median cash $80  ·  Medicare $14  ·  bar = typical cash range (10th–90th percentile)
Is this a fair price?
1× Medicarefair ≈2×5×+

Typical cash price here is $80 — about 5.8× the Medicare rate ($14). High vs Medicare. A fair cash price is usually within ~2× Medicare ($27).

💡 Asking for the cash price instead of the $140 list price could save about $60 (43%).

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
Ochsner St Mary Morgan City, LA $12 $14 ★ 2/5 81 min 15.4%
Ochsner LSU Health Shreveport-St Mary Medical Cent Shreveport, LA $12 $14 ★ 2/5 — —
Banner Goldfield Medical Center Apache Junction, AZ $13 $15 ★ 5/5 150 min 15.3%
El Paso Children's Hospital El Paso, TX $13 $25 — — —
Riverview Regional Medical Center Gadsden, AL $13 $14 ★ 3/5 160 min 15.7%
Paradise Valley Hospital National City, CA $13 $14 ★ 3/5 202 min 16.0%
Saint Francis Medical Center Lynwood, CA $13 $14 ★ 3/5 250 min 14.9%
Garden Grove Hospital & Medical Center Garden Grove, CA $13 $14 ★ 2/5 138 min 16.6%
West Anaheim Medical Center Anaheim, CA $13 $14 ★ 2/5 196 min 16.6%
Huntington Beach Hospital Huntington Beach, CA $13 $14 ★ 1/5 173 min 14.8%
La Palma Intercommunity Hospital La Palma, CA $13 $14 ★ 3/5 214 min 16.5%
Chino Valley Medical Center Chino, CA $13 $14 ★ 4/5 173 min 16.1%
San Dimas Community Hospital San Dimas, CA $13 $14 ★ 2/5 155 min 15.5%
Desert Valley Hospital Victorville, CA $13 $14 ★ 3/5 173 min 15.8%
Montclair Hospital Medical Center Montclair, CA $13 $14 ★ 3/5 151 min 15.3%
Shasta Regional Medical Center Redding, CA $13 $14 ★ 2/5 148 min 15.9%
Southern Regional Medical Center Riverdale, GA $13 $14 ★ 1/5 260 min 15.5%
Southeastern Regional Medical Center, Inc Newnan, GA $13 $14 ★ 5/5 — 15.7%
Amita Health Resurrection Medical Center Chicago, IL $13 $14 ★ 3/5 184 min 14.0%
Monroe Hospital Bloomington, IN $13 $14 ★ 4/5 105 min 15.1%
Saint John Hospital Leavenworth, KS $13 $14 ★ 3/5 124 min 15.5%
Providence Medical Center Kansas City, KS $13 $14 ★ 3/5 123 min 14.7%
Central Maine Medical Center Lewiston, ME $13 $14 ★ 4/5 239 min 14.5%
Lake Huron Medical Center Port Huron, MI $13 $14 ★ 4/5 169 min 14.6%
Garden City Hospital Garden City, MI $13 $14 ★ 2/5 108 min 16.3%

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 June 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 (antibody)

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: $80; Medicare pays $14.

InsurerHospitalsNegotiated median
Amerigroup 157
$14
$12 – $32
UnitedHealthcare 1213
$14
$11 – $97
Tricare / VA 376
$14
$13 – $93
Medicare 443
$14
$13 – $50
Medicaid 273
$14
$12 – $50
Devoted Health 227
$14
$14 – $16
Independent Health 48
$14
$12 – $16
Highmark 104
$14
$9 – $44
Molina Healthcare 455
$15
$12 – $43
Bright Health 63
$16
$14 – $29
MVP Health Care 74
$16
$10 – $125
Univera 14
$16
$12 – $20
AmeriHealth 221
$17
$13 – $70
Anthem 466
$17
$7 – $80
Centene / Ambetter 694
$18
$13 – $128
EmblemHealth 56
$18
$14 – $78
Humana 864
$23
$13 – $152
Oscar Health 186
$23
$14 – $61
UPMC Health Plan 70
$25
$14 – $89
Kaiser Permanente 202
$25
$12 – $135
Geisinger 51
$26
$14 – $64
Harvard Pilgrim 42
$26
$14 – $105
Health Net 242
$27
$13 – $236
SelectHealth 44
$27
$14 – $102
Blue Cross Blue Shield 1066
$27
$12 – $128
UCare 54
$28
$14 – $120
Medica 153
$30
$14 – $134
Priority Health 38
$31
$8 – $150
Aetna 1146
$32
$13 – $153
Workers' Comp / No-Fault 120
$34
$15 – $641
Cigna 957
$42
$11 – $152
HealthPartners 171
$43
$14 – $132
AvMed 52
$45
$13 – $203
Coventry 130
$62
$14 – $242
Security Health Plan 47
$65
$14 – $118
Sanford Health Plan 48
$69
$32 – $129
Healthcare Highways 46
$104
$35 – $292
MultiPlan / PHCS network 663
$108
$25 – $293

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$16
Nevada$36
Tennessee$41
Arizona$45
Rhode Island$46
Iowa$49

Prices by city

Chicago, ILPhiladelphia, PAAustin, TXDallas, TXNew York, NYBaltimore, MDCincinnati, OHBronx, NYBrooklyn, NYCharlotte, NCLos Angeles, CASacramento, CABirmingham, ALEl Paso, TXFort Worth, TXHouston, TXKansas City, MOMiami, FLMilwaukee, WINashville, TNNew Orleans, LAOklahoma City, OKOmaha, NERochester, NY

Prices by state

TexasCaliforniaOhioNew YorkFloridaIllinoisPennsylvaniaNorth CarolinaWisconsinMinnesotaTennesseeLouisianaMichiganGeorgiaColoradoOklahomaNew JerseyWashingtonMissouriIndianaNebraskaMarylandArkansasMississippiSouth CarolinaIowaKentuckyMaineKansasArizonaAlabamaVirginiaWest VirginiaOregonIdahoNorth DakotaMassachusettsMontanaUtahNevadaPuerto RicoSouth DakotaNew HampshireWyomingConnecticutNew MexicoHawaiiDelawareVermontRhode IslandAlaskaWashington DC

About these prices

Based on prices published by 1854 US hospitals across 52 states, the typical (median) cash price is $80, versus a chargemaster (list) price around $140, a median insurer-negotiated rate of $21, a Medicare rate of about $14. Most cash prices fall between $23 and $186 — 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 (antibody) cost without insurance?
The median cash (self-pay) price across 1854 US hospitals is $80. Most hospitals fall between $23 and $186. Prices vary widely between hospitals, so it pays to compare before you book.
What does Medicare pay for HIV test (antibody)?
Medicare pays about $14. We show this as a benchmark — a fair cash price is often within a few multiples of the Medicare rate.
Why do HIV test (antibody) 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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