How much do common lab tests cost with and without insurance?
The cost of common lab tests through DrHouse depends on your insurance coverage and the specific tests ordered. While the lab referral itself is included in your visit, the actual testing is billed separately by the lab (typically Labcorp).
Quick Answer
- Lab referrals are included in your DrHouse visit
- Lab tests are billed separately by Labcorp
- With insurance: costs may be partially or fully covered
- Without insurance: you pay out-of-pocket based on test type
- Prices vary widely depending on the test and your plan
How Lab Test Costs Work
When a physician orders lab tests, you’ll visit a Labcorp location to complete them. Labcorp handles the billing for the tests themselves.
If you use insurance, Labcorp submits a claim to your provider. Your final cost depends on your plan’s:
- deductible
- copay or coinsurance
- coverage for specific tests
If you don’t use insurance, you’ll pay the full self-pay price directly to the lab.
Typical Cost Ranges
Lab test pricing varies significantly depending on complexity. Here are general estimates (before insurance):
- Basic blood work (e.g., CBC, metabolic panel): ~$20–$100
- Thyroid tests: ~$50–$150
- Cholesterol panel: ~$30–$100
- STI testing: ~$50–$200+ depending on panel size
- Specialized or hormone tests: $100–$300+
These are typical U.S. ranges and may vary by location and provider.
With Insurance
If your insurance covers the test:
- You may pay $0 to a small copay if fully covered
- You may pay partial costs if you haven’t met your deductible
- Some tests may not be covered at all, depending on your plan
Coverage decisions are made by your insurance provider after the claim is processed.
Without Insurance
If you’re paying out of pocket:
- You’ll be responsible for the full lab fee
- Prices depend on the specific test and Labcorp pricing
- Some labs offer discounted self-pay rates, but this varies
Limitations / What to Know
- Costs are not set by DrHouse and can vary widely
- Insurance coverage is not guaranteed, even for common tests
- You may receive a bill after insurance processes the claim
- Additional or repeat testing increases total cost
Some tests may require prior authorization or may be denied
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