Without Insurance, How Much Will Bloodwork Cost in 2022?

Without insurance, the average cost of bloodwork is $432, although the cost can range from $50 to $1,000 depending on the tests performed. Going to community health clinics or ordering at-home lab tests are two options for lowering the cost of bloodwork. 

It’s an excellent option to obtain the lab tests you require. Many people avoid getting essential blood work because it is too expensive, but for only $25 every month, you can have a health panel, lipid panel, STD panel, A1C test, and Vitamin D test for $19.

Types of Bloodwork 

There are several types of blood tests that may be recommended by your physician. Below we outline some of these blood tests and what they test for. 

Complete Blood Count (CBC): 

A complete blood count (CBC) determines the number of white blood cells, red blood cells, and platelets in your body. The purpose of a complete blood count (CBC) is to assess your overall health and test for illnesses. Adults should receive a CBC once a year, according to several clinicians.

Lipid Panel: 

Total cholesterol, triglyceride level, HDL cholesterol, and LDL cholesterol are all measured by lipid panels. Lipid panels can aid in the monitoring of your general health and the detection of cardiovascular disease risk. The frequency of these examinations is determined by your age and risk factors for cardiovascular disease.

Basic Metabolic Panel (BMP): 

A basic metabolic panel measures the levels of eight substances in the blood. Basic metabolic panels can be used to monitor general health and can be used to identify kidney problems, lung problems, diabetes, and other health conditions. Many doctors recommend getting this test once a year.

Comprehensive Metabolic Panel (CMP): 

A comprehensive metabolic panel comprises six additional tests that measure liver function in addition to the substances tested in a basic metabolic panel.

If your doctor wants a more complete picture of your health or is concerned about diabetes, liver illness, or renal disease, he or she may recommend a CMP rather than a BMP.

A1C: 

The A1C test looks at your average blood sugar levels over the past few months. This test is typically done to diagnose diabetes or pre-diabetes.

Vitamin D: 

Vitamin tests, such as the vitamin D test, are used to monitor the levels of certain vitamins in the body. These tests can be used to indicate if dietary changes or supplements are needed to maintain a healthy lifestyle.

Your health care provider may run this test at a routine checkup or if you are experiencing symptoms or a vitamin deficiency.

Sexually Transmitted Infection (STI) Test: 

STI tests are used to detect the presence of sexually transmitted infections. Some STI tests are done through a blood sample, such as the test for HIV and syphilis. The recommended frequency of STI tests will depend on several factors, such as your age, gender, and sexual activity.

COVID-19 Antibody Test: 

Antibodies against the virus that causes COVID-19 can be detected using the COVID-19 antibody test. The presence of certain antibodies could indicate a history of COVID-19 infection.

Antibody testing to determine whether your vaccine was effective is typically not suggested since the sort of antibodies produced by immunization may not be detected by some antibody tests.

Thyroid Stimulating Hormone Test (TSH): 

A TSH test is used to measure the amount of TSH in your blood and determine how well your thyroid is working.

A TSH test can be used to detect hyperthyroidism and hypothyroidism, as well as to check on the effectiveness of treatments. TSH testing frequency is determined by your age, risk factors, and symptoms of thyroid disease.

Cost of Bloodwork Without Insurance 

The cost of blood tests without insurance can vary greatly. Some of the factors that determine how much you will need to pay for blood work include your insurance status, how many tests you get, and where you get tested. Below, we outline the range of how much you can expect to pay for some common blood tests without insurance. 

Blood TestCost Estimate Without Insurance
Complete Blood Count (CBC)$140 – $622
Lipid Panel$303 – $843
Basic or Comprehensive Metabolic Panel$330 – $1,309
A1c$129 – $643
Vitamin D$108 – $350
STI Test$108 – $350
COVID-19 Antibody Test$50-$100
Thyroid-stimulating hormone$35 – $500

What Are The Factors That Affect The Cost Of Blood Work?

How much you pay for your blood work depends on the type of test you need. You will pay more if you need multiple tests. Other factors that affect the cost of your blood work include the facility where you will get tested, your location, and your insurance status.

Where To Get Bloodwork Done 

There are several places where you can get blood work done, and where you get tested may affect how much you pay. 

Urgent Care or Doctor’s Office: 

Many urgent care facilities and doctor’s offices offer blood tests. You will likely be charged an office visit fee of about $100-200 in addition to the cost of the blood tests.

If you are managing a chronic condition, going to a primary care physician who knows your medical history may be beneficial.

Laboratory Facilities: 

You can get bloodwork done at laboratory facilities, such as Quest Diagnostics and Labcorp, which typically do not charge an office visit fee. With membership, you can get access to discounted rates for blood tests done at a laboratory facility.

At-home labs: 

Several companies offer at-home lab tests, which you order online and perform at home. These tests can be less expensive than going to see a doctor in person, but you may need to see a doctor if your results are abnormal.

Hospitals: 

Getting blood work done at a hospital is usually the most expensive option. As a result, if you’re only having regular testing or managing a non-life-threatening ailment, going to primary care or urgent care center could save you money.

If you are in an emergency or are suffering from a life-threatening condition, you should always dial 911 or go to the nearest emergency room.

Ways to Reduce the Cost of Bloodwork Without Insurance 

While blood tests are crucial for monitoring your health and diagnosing medical conditions, they can be expensive. There are several ways that you can lower the cost of blood tests without insurance. 

Healthcare for 80% less

Get affordable copays. Plans start at $45/month.

  • If you’re having bloodwork done at an urgent care centre or a doctor’s office, always ask if the tests are being done on-site or if they’re being sent to an outside laboratory. Getting tests done outside of the office might be costly, as you may be charged extra by an outside laboratory.
  • If you join, you can get low-cost blood tests such as a health panel, lipid panel, STD panel, A1C, and vitamin D test. Tests range in price from $19 to $99, and they might help you avoid the exorbitant costs and unexpected bills that come with blood tests.
  • Some businesses provide at-home blood tests that can be obtained online and returned to a lab. Because there may be associated costs for going to a facility to receive a blood test, these tests may be less expensive than getting tested at a doctor’s office or urgent care center.
  • When possible, call a few different facilities to find out how much blood tests cost. The cost of bloodwork without insurance can vary significantly depending on where you go.
  • In your location, you can look for community health centers and free clinics. Individuals without insurance may be able to get free or low-cost tests at these locations.
  • You should also inform your doctor or health care provider that you are paying out of pocket and inquire if they would accept your payment.

Blood Work Frequently Asked Questions (FAQs) 

What can I expect during a blood test? 

During a blood test, blood will be drawn from your finger or a vein in your arm using a needle. Blood tests typically only take a few minutes, and any discomfort should be short-term.

Some blood tests may require you to fast for 12 hours in advance in order to get accurate results. You should speak to your health care provider in advance to see if fasting or any other preparation is necessary. 

Does health insurance always cover blood work?

Even if you have health insurance, blood work may not always be covered. For example, if you go to an out-of-network provider that does not accept your insurance, you may need to pay full price for a blood test.

In addition, if you have a high-deductible health plan, you may have to pay full price until you reach your deductible. 

A membership can be used with a high-deductible health insurance plan to help you access affordable blood tests when you need them. 

How often should I get blood work done? 

Many doctors recommend that you get basic blood work done once a year. However, the exact frequency will depend on your health status and medical conditions.

If you have certain risk factors or are taking medications, your doctor may recommend getting certain blood tests more frequently. In addition, the tests that are recommended as routine screenings vary with age. 

Bottom Line 

Blood tests can be expensive, especially when paying without insurance. Some important blood tests to monitor general health include metabolic panels, complete blood counts, A1C, and STI tests.

By considering where and how you get tested, you can potentially reduce the amount you spend on blood tests. 

A membership can help you get necessary blood tests for a discounted price and avoid the high cost of a blood test without insurance.

In addition, members get access to affordable urgent care visits and prescription medications. You can start using it as soon as you sign up to access the health services that you need. 

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