STD testing is no longer something that only students have to pay for. In the past, people of all ages had to pay for STD testing. That was because STD testing went more smoothly in the private sector. There were private doctors who understood the needs of sexually active people and who provided STD testing. Those days are gone, but the costs of STD testing have not gone down. In fact, they have gone up.
The situation is similar with most other medical insurance plans. You have to sign up, pay a monthly premium and agree to certain levels of coverage. If you do not like what you are being asked to purchase, you can cancel and find another company to back you up. If you like the rates, you keep going.
STD testing cost is determined by your insurance company. The insurance companies base the rates on a number of factors, such as how often you will be testing for STDs and what type of sex you have. Many people assume that since they have had one or more sex partners in the past, they will be automatically insured against STDs. Not so.
Most health insurance plans are designed with young, healthy individuals in mind. They are considered “high risk.” The insurance company assumes that you will need to see the doctor at some point and will probably request that you get tested for something. When you get the test, the insurer pays for most of the cost. So, if you have multiple sex partners, you will almost always wind up paying out of pocket.
There are ways around this. Some insurance companies charge extra for STD tests that are requested more frequently. Other ways to save money on your health insurance premiums include getting a referral from your primary care physician to a general practitioner. The insurance company typically pays the rest.
If you have multiple partners, you may also want to consider testing each one separately. This is especially true if you do not practice safe sex. Some insurance companies will only cover for the costs associated with an HIV test. But, an STD test can cost several hundred dollars on it’s own.
The costs associated with an HIV test are staggering. Insureinfoq for an HIV test alone can run as much as $700. Not to mention that the costs associated with treatment and other related services can add up dramatically, as well. If you are concerned about the cost, there are many private health insurance plans that offer AIDS and HIV prevention and testing. They can offer low or even zero cost options for you and your partner.
When searching for insurance, try searching online. You will find that you have more options when searching online. There are insurance companies that specialize in providing coverage for sexually transmitted diseases and HIV/AIDS. These companies often offer discounted rates and comprehensive benefits.
STD testing is a necessary part of staying healthy. Unfortunately, we all know that prevention is key to keeping these diseases from developing. By making sure that you and your sexual partner are tested annually, you can help prevent unwanted conditions. You can also lower the cost of treatment by ensuring that you take advantage of STD testing discounts.
Most insurance companies offer a variety of discounts. For example, if you have several pets, your pet plan may offer you a discounted rate on the cost of a full coverage test. Or, if you have taken a screening that screens for various health conditions, such as diabetes, you may be able to get a discounted rate on testing for those conditions as well. There are a number of ways that you can get affordable coverage for STD testing.
Most insurance companies will require that you use a non-judgmental and confidential urinalysis. This is a painless procedure that does not require a consultation with a doctor. The test is done quickly and non-invasive. If you have tested positive, you will be required to attend a follow up appointment with your doctor. Insurance companies will then evaluate your medical and mental condition and decide whether or not you should be covered by their company for specific treatments. Some conditions, such as HIV/AIDS and cervical cancer are specifically covered by health insurance policies.
Because STD rates have been on the rise in recent years, it’s important that you check with your insurance company to find out if you are covered. Most people never realize that they could be facing financial hardship because they did not know that they were covered. The best way to avoid this is to go through a simple process and find out if your insurance company covers the tests that you wish to be covered for. Many companies will automatically check and let you know that you are covered.