Best STD Panel Without Insurance (2026): 5-Test vs 10-Test — Which to Order

A 5-test panel covering HIV, syphilis, chlamydia, gonorrhea, and herpes runs $99–149 direct-pay. A comprehensive 10-test panel lands at $189–299. Here is which panel fits your situation, how long to wait after exposure, and where to order at the best price without insurance.

Updated: July 24, 2026 • Prices reflect ranges verified in our STD cost survey, subject to change

  • 5-test panel: $99–149 (routine screening)
  • 10-test panel: $189–299 (comprehensive)
  • Best price: RequestATest · Best w/ consult: HealthLabs
See STD Panel Prices

5-Test vs 10-Test: Which Panel Do You Actually Need?

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.

How Long to Wait After Exposure Before Testing

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).

Best STD Panels Without Insurance in 2026

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.

Best Price

RequestATest — 5-Test ($99–129) & 10-Test ($189–249)

The lowest sticker prices we have verified on comprehensive STD panels. RequestATest's 5-test panel covers HIV, syphilis, chlamydia, gonorrhea, and herpes from a single venous draw or urine collection at 3,600+ Quest/Labcorp locations. The 10-test panel adds hepatitis B, hepatitis C, and trichomoniasis. Results in 1–3 business days. Tradeoff: raw numbers only — no built-in clinician to explain a positive result.

  • 5-test panel: $99–129 · 10-test panel: $189–249
  • Quest & Labcorp network · results in 1–3 business days
  • Cheapest comprehensive panels among reviewed services
Check STD Panel Prices at RequestATest →
Best If You Want a Doctor to Explain Results

HealthLabs — STD Panels with Optional Physician Consult

HealthLabs runs $10–30 higher on equivalent panels (5-test: $119–149; 10-test: $219–299) but offers an optional physician consultation ($49–79) to review results. For a first-time STD screen where a positive result would be stressful, having a clinician a click away changes the experience. 4,500+ draw locations, HSA/FSA accepted, results in 1–3 days.

  • 5-test: $119–149 · 10-test: $219–299 · consult $49–79 extra
  • 4,500+ locations · HSA/FSA accepted
  • The pick when result interpretation matters
Browse STD Panels at HealthLabs →

Not sure which panel fits? The 5-test panel covers the infections most people need for routine screening. Upgrade to the 10-test panel if you want hepatitis and trichomoniasis coverage in the same draw.

See STD Panel Options at RequestATest

Quest & Labcorp network · Results in 1–3 business days

STD Panel Providers Compared

Provider 5-Test Panel 10-Test Panel Collection Turnaround Doctor Consult
RequestATest Best Price $99–129 $189–249 In-lab (Quest/Labcorp) 1–3 days No
HealthLabs Best w/ Consult $119–149 $219–299 In-lab (Quest) 1–3 days Optional ($49–79)

Prices reflect July 2026 survey ranges; draw fees of $6–10 may apply at some collection sites. Full per-infection pricing in our STD test cost without insurance guide.

What to Know Before You Order

Privacy

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.

Sample type

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.

After a positive result

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.

Retesting

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.

Best STD Panel FAQ

Should I order a 5-test or 10-test panel?

5-test for routine screening after a new partner or annual check-up ($99–149). 10-test if you want hepatitis B/C and trichomoniasis coverage in the same draw ($189–299) — usually cheaper per infection than ordering separately.

How much does an STD panel cost without insurance?

5-test: $99–149. 10-test: $189–299 at RequestATest and HealthLabs. Hospital and urgent care visits for the same work often bill $300–1,000+. See our full cost breakdown.

How long should I wait after exposure before testing?

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.

Are online STD tests anonymous?

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.

Which provider has the best STD panel prices?

RequestATest lists the lowest prices we have verified. HealthLabs runs slightly higher but offers optional physician review. Both use Quest/Labcorp — identical lab accuracy.

Order the Panel That Matches Your Situation

Routine screening? Start with the 5-test panel. Want hepatitis and trich coverage too? The 10-test panel is the better bundle. Both of our top picks list exact prices upfront — order online and visit a draw site the same week.

Check STD Panel Prices at RequestATest →

Want a doctor to walk through results? HealthLabs STD panels include an optional physician consult.

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