How Much Does HIV Testing Cost Without Insurance?

HIV is a virus that breaks down certain cells in your immune system. The national average cost for an HIV test is $84 and could be as high as $600.

Alyssa Corso

Alyssa is a Senior Marketing Associate & Content Writer at Mira. She is passionate about educating others on how to affordably access healthcare.

Human Immunodeficiency Virus (HIV) is a virus that breaks down certain cells in your immune system. HIV is the virus that causes AIDS. It's important for those at risk to get tested for HIV. The test is available at clinics, hospitals, doctor offices, and Planned Parenthood. The national average cost for an HIV test is $84 and can be up to $200 based on research collected.

How Much Does HIV Test Cost At Urgent Care?

You can get an HIV test at your doctor's office, hospitals, urgent care clinics, or health clinics. The cost for an HIV test ranges between free at Planned Parenthood and $200 at Statcare.

How Much Are At-Home HIV Test Cost?

The OraQuick In-Home HIV Test is the only HIV test approved by the FDA that people can test themselves at home or in a private location. OraQuick was approved in 2012 for sale in stores and online to anyone age 17 and older.

The kit does not require sending a sample to a lab. It tests fluid from the mouth and delivers results in 20 to 40 minutes. The kit costs $45.99 at Walgreens.

How Often You Should Get Tested for HIV

Sexually active gay and bisexual men may want to consider more frequent testing (for example, every 3 to 6 months). If you're pregnant, talk to your health care provider about getting tested for HIV and other ways to protect you and your child from getting HIV.

Anyone who has been sexually assaulted or has had a high-risk exposure to HIV should consider taking post-exposure prophylaxis (PEP) and getting an HIV antigen test that can detect infection sooner than standard antibody testing. PEP may prevent HIV infection after possible exposure to HIV if it is started as soon as possible within 3 days after exposure to HIV.

HIV Frequently Asked Questions (FAQs)

What is HIV & AIDS?

HIV stands for Human Immunodeficiency Virus. HIV is a virus that breaks down certain cells in your immune system (your body’s defense against diseases that helps you stay healthy). When HIV damages your immune system, it’s easier for you to get very sick and even die from infections that your body could normally fight off.

Once you have HIV, the virus always stays in your body. There’s no cure for HIV, but medicines can be used to stay healthy and reduce the risk of infections. Medications for HIV lowers or even completely diminishes the risk of spreading the virus to other people. Studies show that if HIV treatment is used as directed, it can lower the amount of HIV in a person's blood so much that it might not even show up on a test — in this case, they can’t transmit HIV through sex.

How is AIDS different than HIV?

HIV is the virus that causes AIDS. AIDS stands for Acquired Immune Deficiency Syndrome. They are not the same thing, and a person with HIV does not necessarily have AIDS. HIV is transmitted from person to person. Once infected, over time, HIV will destroy an important kind of cell in a person's immune system (called CD4 cells or T cells) that helps protect them from infections.

When a person doesn't have enough CD4 cells, their body cannot off infections the way it normally can. Once the immune system is damaged from HIV, it's possible to develop AIDS. If you get dangerous infections or have a deficient CD4 cell, you will most likely develop AIDS. AIDS is the most serious stage of HIV, and it would lead to death overtime.

It's important to get tested and seek treatment- without treatment; it usually takes about 10 years for someone with HIV to develop AIDS. Treatment helps to slow down the damage the virus causes in the body and can help people stay healthy for several decades.

What are the symptoms of HIV & AIDS?

There are three stages of infection of HIV. Each stage has a different set of symptoms individuals may experience:

Stage 1: Acute HIV Infection

This is within 2 to 4 weeks after infection with HIV; about two-thirds of people will have a flu-like illness. This is the body’s natural response to HIV infection.

Flu-like symptoms that can occur may include:

• Fever
• Chills
• Rash
• Night sweats
• Muscle aches
• Sore throat
• Fatigue
• Swollen lymph nodes
• Mouth ulcers

These symptoms can last anywhere from a few days to several weeks. However, it's possible to not have any symptoms at all during this early stage of HIV.

Stage 2: Clinical Latency

In this stage, the virus multiplies at deficient levels. People in this stage may not feel sick or have any symptoms. This stage is also called chronic HIV infection. If not receiving HIV treatment, it's possible people can stay in this stage for 10 or 15 years, but it's possible to move through this stage faster.

If you're taking HIV medicine every day, exactly as prescribed, as well as getting and keeping an undetectable viral load, individuals can protect their health and protect others by not transmitting the virus.

However, if a viral load is detectable, it's possible to transmit HIV during this stage, even if you're not experiencing any symptoms.

Stage 3: AIDS

If a person has HIV and is not on HIV treatment, the virus will eventually weaken their body’s immune system and progress to AIDS. This is the late stage of HIV infection.

Symptoms of AIDS can include:

• Rapid weight loss
• Recurring fever or profuse night sweats
• Extreme and unexplained tiredness
• Prolonged swelling of the lymph glands in the armpits, groin, or neck
• Diarrhea that lasts for more than a week
• Sores of the mouth, anus, or genitals
• Pneumonia
• Red, brown, pink, or purplish blotches on or under the skin or inside the mouth, nose, or eyelids
• Memory loss, depression, and other neurologic disorders

Please note that each of these symptoms can also be related to other illnesses. The only way to know for sure if you have HIV is to get tested. If you test HIV-positive, a health care provider will diagnose if your HIV has progressed to stage 3 (AIDS) based on certain medical criteria.

Should I get tested for HIV?

“HIV can be detected by a blood antigen test in as little as 18 days after exposure. Thus, if one thinks that they are exposed to HIV, they should be tested within 30 days, but they may have to return to get tested again because it can take up to 45 days for HIV to be detectable after exposure. Testing every 3-6 months for people who are sexually active with multiple partners, and do not use protection, is sufficient unless they have direct knowledge of being exposed to HIV. A yearly test for people that are sexually active and use protection is recommended by the CDC. If one is in an exclusive, monogamous relationship with someone who is not HIV positive, then testing is likely unnecessary,” says Dr. Zrenchik.

The CDC recommends everyone between the ages of 13 and 64 get tested for HIV at least once. Some people at higher risk should get tested more often.

If your last HIV test result was negative, you should get an HIV test. If you answer "yes" to any of the questions below, you might be a person of higher risk for HIV:

• Are you a man who has had sex with another man?
• Have you had sex, whether anal or vaginal, with an HIV-positive partner?
• Have you had more than one sexual partner?
• Have you shared needles with others?
• Have you exchanged sex for drugs or money?
• Have you been diagnosed with, or sought treatment for, another sexually transmitted disease?
• Have you been diagnosed with or treated for hepatitis or tuberculosis (TB)?
• Have you had sex with someone who could answer "yes" to any of the above questions or someone whose sexual history you don't know?

What type of HIV tests are there?

There are several different HIV tests:

• A NAT looks for the actual virus in the blood and involves drawing blood from a vein. This test can do both, determine if a person has HIV or tell how much of the virus is present in the blood (this is known as the HIV viral load test). A NAT can detect HIV sooner than other types of tests; however, this type of test is costly and not routinely used for screening individuals unless they recently had a high-risk exposure or a possible exposure and have early symptoms of HIV infection.
• An antigen or antibody test looks for both HIV antibodies and antigens. Antibodies are produced by your immune system when the person is exposed to viruses such as HIV. Antigens are foreign substances that would cause your immune system to activate and fight off the infection. Antigen or antibody tests are recommended for labs and are now common in the United States. This lab test involves drawing blood from a vein. This is also available through rapid testing, and it's done with a finger prick.

No HIV test can detect HIV immediately after infection. If you think you’ve been exposed to HIV in the last 72 hours, talk to your health care provider about post-exposure prophylaxis (PEP) right away.

Where & how do I get tested for HIV?

Under the Affordable Care Act, nobody can be denied health insurance due to a pre-existing condition. Most health insurance plans must cover certain recommended preventive services. This includes HIV testing for everyone between the ages 15 and 65 and for people of other ages at increased risk without additional cost-sharing, such as copays or deductibles.

Whether or not you have insurance, you can likely get an HIV test at the following locations:

• Local health clinic
• Urgent care centers
• Primary care doctor
• Hospitals

If you don't have insurance, you can become a Mira member and get an STD test (including HIV testing) for just $50- results are private and fast.

There are other options for HIV testing if you don't have insurance:

• Health clinics or community health centers
• STD or sexual health clinics
• Your local health department
• Family planning clinics
• VA medical centers
• Substance abuse prevention or treatment programs

How can I prevent HIV?

One way to prevent HIV is by using pre-exposure prophylaxis (or PrEP). PrEP is a daily pill for individuals who do not currently have HIV but are at very high risk of getting HIV to prevent HIV infection. PrEP is one of the best ways to prevent being infected with HIV. Truvada is the prescription medication for PrEP.

PrEP may be a good option for you if:

• You're in an active and ongoing sexual relationship with a partner living with HIV who does not have an undetectable viral load.
• You're a gay or bisexual man with multiple sexual partners, and you don't always use condoms or protection.
• You're a gay or bisexual man in a sexual relationship but not yet aware of your partner's HIV status and don't always use condoms.
• You're not using condoms with partners of the opposite sex whose HIV status is unknown and who are at high risk of HIV infection (for example, they inject drugs, have multiple partners, or have bisexual male partners)
• You have sex for money or receive gifts for sex.
• You've shared injecting equipment or have been in a treatment program for injecting drug use.

Other methods for preventing HIV include:

• Using condoms. Male latex condoms are the most effective way to prevent HIV and STIs when you are having sex.
• Getting tested. Ensure that you and your partner are tested for HIV and other STIs.
• Being monogamous.
• Limiting your number of sexual partners.

Bottom Line

HIV testing is crucial to ensure you do not have HIV. If you are high risk, there are many different ways you can access a test at a low cost. One way is using Mira. For $45 per month, members get access to low-cost lab testing (including an HIV test), affordable urgent care visits, and discounted prescriptions.