Clean VD at home test kits

Is STD Testing Covered By My Health Insurance?

Do You Need A Herpes Test?

If you’re sexually active with multiple partner, you absolutely do.

STIs/STDs are a fact of life.

Herpes, HIV, chlamydia and gonorrhea are dangerous infections/diseases that can be transmitted from one individual to another through sexual activities.  Most STDs can be contracted from any type of person-to-person sexual activity.

Do I Need To Get Tested?

STI testing is a basic responsibility of every sexually active adult, especially non-monogamous ones.

If you are involved in many sexual relationships, it means you are at a higher risk of being infected with an STI or STD – and for infecting others.

It is important for sexually active people to frequently get tested in order for them to be aware of their health status at all times. This puts them in control of their STD risk. The following tests are recommended for anyone that fits this description (gay or straight):

  • HIV test
  • Herpes test
  • Syphillis, Gonorrhea and Chlamydia test
  • Hepatitis B and C tests

In order to stay protected against unforeseen financial problems as a result of health related issues, most people today have health insurance. While most health insurance agencies cover STD testing, some don’t.

If your insurance policy covers STD testing, then you will be more likely to test regularly, hence protecting their health, that of your partners and the community as well.

Syphilis posterWhat Do STD Tests Cost?

Generally, STD tests can be done at a zero cost for some patients covered by a health insurance policy.

However, a basic out-of-pocket expense comprising a lab charge of $10 to $30 per test, may still apply to such patients.

HIV test rapid card

For those without insurance, STD tests carried out in a doctor’s workplace or doctor-ordered lab service will set you back $150 to $500.

This is enough expense to motivate many people to avoid the test.

Worse, doctor and lab tests are not anonymous.

New STD Test Options Make Things Easier

CleanVD at home test kits

Luckily, recent advances in the STD testing industry – enabled by the internet – have made things less expensive and more private.

Today, you can get STD tested by a private online STD test lab and pay about $50 to $150, depending on the disease.

Or, your can order an at-home STD test kit which may cost $30 to $100.

Both of these more recent methods are also anonymous, taking away yet one more obstacle to getting tested.

Are You Covered?

STDs are a serious health risk to teenagers and sexually active adults. Some like HIV can be deadly, while others like herpes are a life time health issue for an individual. It is therefore important to be careful with sex life aside from counting on insurance policies to come to the rescue when need be.

When choosing a health insurance agency, inquire whether the policy in question covers STD testing. The only clear way for clients to get such information is by simply asking the company.

Getting to know the kind of tests and the charges expected in return helps clients to make clear and solid decisions. A great health insurance cover ought to be able to provide its clients with superb STI test coverage.

Summary

Although health insurance is meant to protect people against unforeseen financial problems that may arise from health problems, each and every individual has a role to play towards good health.

People must always try as much as possible to engage in safe sex at all times and be covered by a health insurance policy, if they don’t have one.

Use of condoms during sex is one of the greatest ways to avoid unwanted pregnancies and contraction of STIs and STDs such as gonorrhea, syphilis, herpes and HIV.

Aside from practicing safe sex, people must also make a point of getting testing regularly in order to live a doubt-free and stress-free life.

Having the right health insurance policy can make it that much easier to do.

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