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How Much Does Allergy Testing Cost?

The amount you pay out-of-pocket can vary, depending on these four factors:
Your Annual
Deductible
Your Plan's
Co-Pay
Your Plan's
Co-Insurance
Your Network
Providers

Your Annual Deductible

Your annual deductible is the cap on the total amount you would pay for any out-of-pocket costs in a given year. Effectively, this is the amount you pay for medical services before your insurance benefits will start to contribute to the cost.

Your Plan's Co-Pay

A co-pay is a minimum cost per visit, so even if you have maxed out your annual deductible, a charge per office visit will apply.

Your Plan's Co-Insurance

Co-insurance is a percentage of the total cost of the services provided. Depending on your plan, a co-insurance may still apply even if you have met your deductible for the year.

In-Network vs. Out-of-Network

The provider you choose may or may not be in-network with your insurance plan. Also, some plans require referrals from a primary care physician. Typically, it's beneficial to stick to providers within your network if you're looking to apply your insurance benefits to allergy testing. However, we do offer competitive self-pay rates if you choose to not apply insurance benefits to the testing.

Examples

Note: these examples are for illustrative purposes only. Every health plan is different and service coverage is subject to change. These examples should only be used as a guide, not as a promise of services rendered at a specific price-point. All out of pocket costs will be quoted to you before the time of your appointment.
Maggie, a busy mom with two kids, has suffered from allergies for years, and is finally ready to do something about it. On a Blue Cross - Blue Shield PPO family plan, she doesn't often meet her deductible each year.

Because Maggie hasn't met her deductible, she pays about $1,050 out of pocket to get tested for allergies. She's also considering getting the whole family tested, as that would meet her deductible and save her money in the long run.
Pete, a twenty-something who suffers from seasonal allergies, is looking for something convenient to get rid of his allergy symptoms for good.

To start, Pete needs to get tested for 58 of the most common allergens. On his plan, he rarely meets his $5,000 yearly deductible with qualifying medical expenses.

Pete opts to do a self-pay price at $595 for the allergy test.
Ernest, a retiree, is enjoying the "empty nester" life with his wife. After years of suffering from chronic sinus issues, he wants to see if seasonal allergies are the culprit.

With more anticipated medical expenses this year, Ernest opted for a low deductible plan which he has almost met. Ernest will pay around $250 out of pocket for his allergy test, and his insurance benefit will cover the rest as his deductible will be met.

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