HIV test (antigen/antibody combo) Cost by Hospital

HIV test (antigen/antibody combo) is a laboratory test. Prices are from 2237 US hospitals across 52 states, from their machine-readable files.

$83median cash price · 2237 hospitals, 52 statestypically $27–$226 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
$27$226
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 —
Banner Fort Collins Medical Center Fort Collins, CO $13 $52 — 118 min —
UCI Health-Orange Orange, CA $13 $33 ★ 4/5 318 min —
UCI Health-Fountain Valley Fountain Valley, CA $13 $33 ★ 2/5 158 min —
Saint Vincent Hospital Erie, PA $13 $25 ★ 4/5 219 min —
Unity Health-Jacksonville Jacksonville, AR $13 — — 130 min —
Unity Health-Newport Newport, AR $13 — — 103 min —
Dayton General Hospital Dayton, WA $14 $15 — 105 min —
Acadia General Hospital Crowley, LA $14 $24 ★ 3/5 109 min —
Jefferson Hospital Louisville, GA $14 $25 — 99 min —
Jefferson Hospital Jefferson Hills, PA $14 $25 ★ 4/5 170 min —
Tallahassee Memorial Healthcare Tallahassee, FL $14 $25 ★ 3/5 204 min —
Banner Gateway Medical Center Gilbert, AZ $14 $30 ★ 3/5 224 min —
Banner Heart Hospital Mesa, AZ $14 $30 ★ 2/5 — —
Hillsdale Hospital Hillsdale, MI $14 $23 ★ 3/5 180 min —
Banner-University Medical Center South Campus Tucson, AZ $15 $30 ★ 4/5 260 min —
St Mary Medical Center Long Beach, CA $15 $20 ★ 5/5 150 min —
St Mary-Corwin Hospital Pueblo, CO $15 $20 ★ 4/5 164 min —
University of Texas Medical Branch Galveston Galveston, TX $15 $24 ★ 3/5 190 min —
San Gorgonio Memorial Hospital Banning, CA $15 $25 ★ 3/5 194 min —
Hemet Global Medical Center Hemet, CA $16 $14 ★ 1/5 213 min —
Menifee Global Medical Center Sun City, CA $16 $16 — 176 min —
Banner Boswell Medical Center Sun City, AZ $16 $32 ★ 3/5 224 min —
Canonsburg General Hospital Canonsburg, PA $16 $25 ★ 3/5 155 min —
Forbes Hospital Monroeville, PA $16 $25 ★ 3/5 261 min —

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 October 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 341
$21
$14 – $43
Amerigroup 175
$24
$5 – $51
UnitedHealthcare 1511
$24
$15 – $117
Tricare / VA 433
$24
$21 – $73
Medicare 526
$24
$20 – $43
Independent Health 51
$24
$21 – $26
Devoted Health 254
$24
$24 – $28
Univera 15
$25
$20 – $36
Molina Healthcare 561
$25
$14 – $54
Humana 1032
$26
$22 – $222
Highmark 124
$26
$16 – $91
MVP Health Care 80
$26
$19 – $99
Centene / Ambetter 815
$27
$20 – $120
AmeriHealth 245
$27
$15 – $83
Bright Health 64
$28
$24 – $48
Kaiser Permanente 222
$30
$17 – $117
Priority Health 48
$31
$13 – $108
Anthem 598
$31
$11 – $127
EmblemHealth 75
$31
$19 – $82
UPMC Health Plan 101
$39
$24 – $116
Health Net 300
$41
$14 – $189
Oscar Health 231
$41
$25 – $74
UCare 64
$42
$21 – $99
AvMed 57
$43
$16 – $242
Geisinger 68
$44
$24 – $121
Aetna 1379
$44
$21 – $175
Blue Cross Blue Shield 1263
$45
$21 – $165
SelectHealth 46
$47
$21 – $120
Medica 230
$52
$24 – $141
Coventry 154
$53
$20 – $184
HealthPartners 250
$56
$25 – $182
Cigna 1163
$57
$20 – $184
Harvard Pilgrim 51
$60
$24 – $144
Workers' Comp / No-Fault 138
$63
$29 – $165
Sanford Health Plan 65
$65
$24 – $137
Security Health Plan 54
$70
$24 – $126
Healthcare Highways 48
$80
$33 – $204
MultiPlan / PHCS network 850
$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$32
Maine$36
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 2237 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 $27 and $226 — 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 2237 US hospitals is $83. Most hospitals fall between $27 and $226. 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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