For routine screening, the best STD panel without insurance is the 5-test panel — HIV, syphilis, chlamydia, gonorrhea, and herpes — at $99–149 direct-pay, no doctor visit or insurance required. The comprehensive 10-test panel ($189–299) is the better buy when you also want hepatitis B/C and trichomoniasis covered in the same draw. Here is which panel fits your situation, how long to wait after exposure, and where to order at the best price.
Updated: July 24, 2026 • Prices reflect ranges verified in our STD cost survey, subject to change
Start Here
Before picking a provider, pick the right panel. The most common STD-testing mistake is ordering too little — or paying for a comprehensive panel when a targeted screen would do.
The 5-test panel is the standard recommendation for routine screening after a new partner or annual check-ups. It typically covers:
The comprehensive 10-test panel adds hepatitis B, hepatitis C, trichomoniasis, and sometimes additional coverage (Mycoplasma genitalium, expanded herpes typing). It is the better value if you want a complete picture in one draw — ordering each infection separately often costs more than the bundled panel.
When to choose which: Specific exposure concern (partner tested positive for chlamydia)? Order that single test — cheapest and fastest. New partner, routine screening, no specific symptoms? The 5-test panel is the standard. Multiple partners, injection drug use history, or want hepatitis coverage? The 10-test panel is worth the extra $90–150. Our STD testing guide covers sample types and why venous draws beat at-home kits for comprehensive panels.
Window Periods
Testing too early produces false negatives. Use this table to time your panel correctly — and plan a follow-up test if your first draw falls inside the window.
| Infection | Window Period | Included in 5-Test? | Included in 10-Test? |
|---|---|---|---|
| Chlamydia | 5–14 days | Yes | Yes |
| Gonorrhea | 5–14 days | Yes | Yes |
| HIV (4th-gen) | 18–45 days | Yes | Yes |
| Syphilis | 3–6 weeks | Yes | Yes |
| Herpes (HSV IgG) | 12–16 weeks | Yes | Yes |
| Hepatitis B | 3–6 weeks | No | Yes |
| Hepatitis C | 8–11 weeks | No | Yes |
| Trichomoniasis | 5–28 days | No | Yes |
If your exposure was recent, order what you can test for now and schedule a follow-up for infections still inside their window — especially HIV (retest at 6 weeks and again at 3 months for definitive antibody testing) and herpes (IgG needs 12–16 weeks after a first outbreak). If cost is the barrier, the CDC's GetTested locator lists free and low-cost testing clinics by ZIP code.
Our Picks
Both picks below use Quest Diagnostics or Labcorp — the same CLIA-certified reference labs clinics use. Accuracy does not differ between them; price and post-result support do.
The lowest verified price on a comprehensive STD panel: $139 for 10 tests (HIV, syphilis, chlamydia, gonorrhea, herpes 1&2, hepatitis A/B/C) — recorded from HealthLabs' public pricing page on Aug 2, 2026. The next-cheapest comparable panel we track costs $229, and two others run $339–346. HealthLabs also offers an optional physician consultation ($49–79) to walk through results — worth having a click away on a first-time screen. 4,500+ draw locations, HSA/FSA accepted, results in 1–3 days.
RequestATest's standard panel runs $229 (verified Aug 2, 2026) — $90 more than HealthLabs for comparable coverage — but it draws at 3,600+ Quest and Labcorp locations, which can mean a closer or same-day appointment in some areas. Same CLIA-certified lab accuracy. Results in 1–3 business days. Tradeoff: raw numbers only — no built-in clinician option.
Not sure which panel fits? If you want one draw that covers everything, the 10-test comprehensive panel is the simplest answer — and at $139 it costs less than many 5-test panels elsewhere.
See STD Panel Options at HealthLabs4,500+ draw locations · Results in 1–3 business days
Side by Side
| Provider | Comprehensive Panel | HIV Test (4th Gen) | Collection | Turnaround | Doctor Consult |
|---|---|---|---|---|---|
| HealthLabs Best Price | $139 (10 tests) | $49 | In-lab (4,500+ sites) | 1–3 days | Optional ($49–79) |
| RequestATest Quest/Labcorp Network | $229 (standard panel) | $69 | In-lab (Quest/Labcorp) | 1–3 days | No |
Prices recorded from each provider's public pricing page on Aug 2, 2026 (source URLs in our Price Index); draw or authorization fees of $6–10 may apply at some sites. Full per-infection pricing in our STD test cost without insurance guide.
Privacy & Practical Notes
Direct-pay testing stays off your insurance file. Your requisition uses a barcode — lab staff don't see what you're testing for. Results land in a private online portal. Positive results for reportable infections are sent to public health departments by law, the same at any U.S. lab.
Most panels use a combination of venous blood draw and urine. Chlamydia and gonorrhea are urine or swab; HIV, syphilis, and hepatitis are blood. A single lab visit covers everything on a comprehensive panel.
Treatment requires a prescription for most infections. Direct-pay services give you the diagnosis; you bring results to a clinic, telehealth provider, or your PCP for treatment. HealthLabs' optional consult can bridge that gap for an extra fee.
After treatment for chlamydia or gonorrhea, retest in 3 months (reinfection is common). After a negative test inside the window period, retest at the correct interval. Annual screening is recommended for sexually active adults with new or multiple partners.
Frequently Asked Questions
A smaller panel covers routine screening after a new partner or annual check-up. Go 10-test if you want hepatitis coverage in the same draw — and note the pricing quirk: HealthLabs' 10-test panel at $139 undercuts many smaller panels elsewhere, so comprehensive is often the cheaper choice per infection.
Verified Aug 2026: a comprehensive 10-test panel runs $139 at HealthLabs, $229 at RequestATest, and $339–346 at Walk-In Lab and Personalabs — the same category of panel, a $207 spread. Hospital and urgent care visits for the same work often bill $300–1,000+. See our full cost breakdown.
Chlamydia/gonorrhea: 5–14 days. HIV: 18–45 days (4th-gen). Syphilis: 3–6 weeks. Herpes IgG: 12–16 weeks. Hep B: 3–6 weeks. Hep C: 8–11 weeks. Test too early and you may need a follow-up at the correct interval.
As close as regulated healthcare gets: no insurance claim, private results portal, barcode requisition. Reportable positives go to public health — same legal requirement at every lab, clinic or direct-pay.
HealthLabs lists the lowest price we have verified — $139 for the 10-test panel, plus optional physician review. RequestATest runs $229 but draws at Quest/Labcorp sites. CLIA-certified labs either way — identical accuracy.
The 10-test comprehensive panel at $139 is the strongest deal we have verified — broader coverage than most 5-test panels, at a lower price. Both of our picks list exact prices upfront — order online and visit a draw site the same week.
Check the $139 Panel at HealthLabs →Prefer a Quest or Labcorp draw site? RequestATest's standard panel runs $229 at 3,600+ locations.
Get the quarterly price-drop alerts and a re-test reminder when it's time to re-check — roughly one email a quarter.
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