Does Insurance Cover STD Testing and Treatment?

Sexually transmitted infections (STIs) are common, and regular testing is a crucial part of maintaining sexual health. Many people are understandably concerned about the costs associated with STI testing and treatment. Fortunately, most health insurance plans offer some level of coverage, but the specifics can vary widely. This article will break down what you require to know about insurance coverage for STI testing, treatment, and related services as of February 22, 2026.

Does Health Insurance Cover STI Testing?

Generally, insurance plans do cover STI testing, but the extent of coverage depends on your specific plan and the type of test. Insurance plans usually cover STI testing at a doctor’s office or an STI testing clinic, but the specifics of this coverage will vary by insurance company ¹.

The Affordable Care Act (ACA) mandates coverage for certain preventive screenings without cost-sharing, including:

• Chlamydia and gonorrhea screenings for women under 24 (and for older women at higher risk).
• HIV screenings for sexually active individuals and pregnant women.
• Syphilis screenings for sexually active individuals.

However, coverage for other STI tests, such as those for herpes or HPV, may vary. Some plans may require a copay, deductible, or coinsurance for these tests.

Coverage by Major Insurance Providers (as of February 22, 2026)

• United Health Group: Covers gonorrhea, chlamydia, syphilis, and HIV testing for women. HPV DNA testing is also provided to women over the age of 30. HIV testing is covered for men, but no other information for men is given ¹.
• Anthem: Covers sexually transmitted disease screening as needed for sexually active persons and screenings for pregnant women ¹.
• Aetna: Offers yearly STI testing coverage (specific infections not mentioned) ¹.
• Humana: STI testing is not featured in the preventive care section ¹.
• Cigna: Covers chlamydia and gonorrhea screening for women under 24 or older women at high risk. Also covers HIV screening for pregnant women, teens, and adults between 15 and 64, and at-risk older adults, as well as sexually active women. HPV DNA testing is covered for women 30 and older ¹.

Does Insurance Cover STI Treatment?

Coverage for STI treatment varies as much as coverage for testing. Most insurance plans cover treatment for STIs, but the cost-sharing (copays, deductibles, coinsurance) will depend on your plan. Some plans may cover abortion ².

What About At-Home STI Tests?

At-home STI tests are becoming increasingly popular, but insurance coverage for these tests is less common. While some plans may reimburse for at-home tests, it’s often necessary to submit a claim and provide documentation from your healthcare provider. These tests can be more expensive than visiting a clinic, especially if free or low-cost testing options are available through public health departments or organizations like Planned Parenthood ².

How to Determine Your Coverage

The best way to determine your specific coverage is to:

• Contact your insurance provider: Call the member services number on your insurance card and ask about coverage for STI testing and treatment.
• Review your plan documents: Check your Summary of Benefits and Coverage (SBC) for details on preventive care and STI coverage.
• Talk to your healthcare provider: Your doctor or a clinic can often verify your coverage and help you understand your out-of-pocket costs.

Additional Resources

If you need assistance finding affordable STI testing or treatment, consider these resources:

• Planned Parenthood
• Your local health department
• myLAB Box
• STDCheck.com