Does Insurance Cover Allergy Shots? What to Know About Insurance and Allergy Shots

Does Insurance Cover Allergy Shots?

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Allergy shots can be a life-changing treatment for many people, but are they covered by insurance? Find out the answer and more in this comprehensive guide/PHOTO: Freepik

Allergy shots are a form of immunotherapy that can reduce or eliminate your allergy symptoms by exposing you to small amounts of allergens over time.

They can be effective for allergies to pollen, dust mites, mould, pet dander, and insect venom.

But how much do allergy shots cost, and are they covered by insurance?

In this article, we will answer these questions and more.

How Allergy Shots Work

Allergy shots work by gradually desensitizing your immune system to the substances that trigger your allergic reactions.

You will receive a series of injections that contain a tiny amount of the allergens you are allergic to.

The dose of the allergens will increase with each shot until you reach a maintenance level.

This process can take several months to a year.

Once you reach the maintenance level, you will continue to receive shots every few weeks for several years.

The goal is to reduce your sensitivity to allergens and improve your quality of life.

Allergy shots can also prevent the development of new allergies and asthma in some people.

Benefits and Risks of Allergy Shots

Allergy shots can have many benefits for people who suffer from moderate to severe allergies that are not well controlled by medications or avoidance.

Some of the benefits include:

  • Reduced or eliminated allergy symptoms
  • Reduced need for allergy medications
  • Improved nasal and lung function
  • Reduced risk of complications from allergies, such as sinus infections, ear infections, and asthma attacks
  • Enhanced well-being and productivity

However, allergy shots also have some risks and drawbacks.

Some of the risks include:

  • Local reactions at the injection site, such as redness, swelling, itching, and pain
  • Systemic reactions, such as hives, wheezing, chest tightness, and anaphylaxis, which can be life-threatening
  • Long-term commitment and frequent visits to the doctor
  • Possible failure or relapse of the treatment

Cost and Coverage of Allergy Shots

The cost of allergy shots can vary depending on several factors, such as:

  • the number and type of allergens,
  • the frequency and duration of the treatment
  • the location and provider of the service

According to some sources, the average cost of one allergy shot vial is $600, and some people may need more than one vial.

The cost of receiving the injections can range from $10 to $50 per visit.

The good news is that most health insurance plans cover allergy shots, at least partially.

However, the coverage may vary depending on your specific plan, deductible, copay, and coinsurance.

You may also need to get prior authorization from your insurance company before starting the treatment.

Medicare and some Medicare Advantage plans also cover allergy shots, but you may have to pay some out-of-pocket costs.

To find out how much your insurance will cover for allergy shots, you should contact your insurance company and ask about the following:

  • The percentage of the cost that they will cover
  • The amount of your deductible, copay, and coinsurance
  • The limit or cap on the number of shots or visits per year
  • The network of providers that they will cover
  • The requirements for prior authorization or referral


Allergy shots are a proven and effective treatment for many types of allergies, but they are not for everyone.

They can be costly and time-consuming, and they may have some risks and side effects.

However, they can also provide long-lasting relief and improvement for your allergy symptoms and quality of life.

If you are interested in allergy shots, you should consult your allergist and discuss the benefits, risks, costs, and coverage of the treatment.


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