Does Insurance Cover STD Testing at Urgent Care?: Navigating Healthcare Coverage for Sexual Health Screenings

How to Get Affordable and Discreet STD Testing at Urgent Care

If you are sexually active, you may have wondered about getting tested for Sexually Transmitted Diseases (STDs). STDs are infections that can be passed from one person to another through sexual contact.

Some of the most common STDs include chlamydia, gonorrhea, syphilis, herpes, HPV, and HIV.

According to the Centers for Disease Control and Prevention (CDC), there are about 20 million new cases of STDs each year in the United States, and half of them occur among young people aged 15 to 24.

Getting tested for STDs is important for your health and the health of your partner(s). Many STDs do not cause any symptoms, but they can still lead to serious complications if left untreated, such as infertility, pelvic inflammatory disease, cancer, and increased risk of HIV infection.

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Early detection and treatment can prevent these outcomes and reduce the spread of STDs. However, many people face barriers to getting tested, such as lack of access, cost, stigma, and privacy concerns.

Fortunately, there is a convenient and discreet option for STD testing: urgent care centers. Urgent care centers are walk-in clinics that provide same-day medical care for non-life-threatening conditions.

They are open seven days a week, often with extended hours, and they accept most insurance plans. You can also book an appointment online and save time.

In this blog post, we will explain how urgent care centers can help you with STD testing, what to expect, and how to find one near you.

What STD Tests Can You Get at Urgent Care?

Urgent care centers can provide a variety of STD tests, depending on your needs and risk factors. Some of the most common tests include:

  • Blood tests: These are used to detect HIV, syphilis, hepatitis B, and hepatitis C. A small sample of blood is drawn from your arm and sent to a lab for analysis. The results are usually available within a few days.
  • Urine tests: These are used to detect chlamydia and gonorrhea, which are the most common bacterial STDs in the U.S. A urine sample is collected in a cup and tested on-site or sent to a lab. The results are usually available within a few hours or days.
  • Swab tests: These are used to collect samples from the genitals, mouth, or anus, depending on the type of STD. The swabs are then tested on-site or sent to a lab. The results are usually available within a few hours or days. Swab tests can detect chlamydia, gonorrhea, herpes, HPV, and trichomoniasis.
  • Rapid tests: These are tests that can provide results within minutes, without the need for a lab. They are usually done with a finger prick or an oral swab. Rapid tests can detect HIV, syphilis, and herpes.

Does Insurance Cover STD Testing at Urgent Care?

Many insurance plans do cover STD testing, but the amount of coverage can vary depending on your specific plan.

Some plans may cover the full cost of testing, while others may require you to pay a copay or deductible. It’s important to check with your insurance provider to see what your plan covers before you visit an urgent care center.

If you do not have insurance, or if your insurance does not cover STD testing, you may still be able to get affordable testing at urgent care.

Many urgent care centers offer low-cost or sliding-scale fees for uninsured or underinsured patients.

You may also qualify for free or reduced-cost testing through public health programs, such as the STD Testing Program offered by the CDC.

Is STD Testing Covered by Insurance at Urgent Care
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How to Prepare for STD Testing at Urgent Care?

Before you go to an urgent care center for STD testing, there are some things you can do to prepare and make the process easier:

Know your risk factors

Some factors that can increase your risk of getting an STD include having multiple or anonymous sexual partners, having sex without a condom, having a history of STDs, or having a partner who has an STD or is at high risk. Knowing your risk factors can help you decide what tests to get and how often to get tested.

Know your symptoms

Some STDs can cause symptoms, such as discharge, itching, burning, sores, bumps, or pain in the genital area.

Other STDs may not cause any symptoms, or they may cause symptoms that are similar to other conditions, such as urinary tract infections, yeast infections, or allergies.

If you have any symptoms, you should tell the urgent care provider so they can diagnose and treat you accordingly.

Know your history

You should also tell the urgent care provider about your sexual history, such as the number and gender of your partners, the types of sex you have, and the methods of protection you use.

This information can help the provider determine what tests to order and what treatments to prescribe. You should also inform the provider if you are pregnant or planning to get pregnant, as some STDs can affect your pregnancy and your baby’s health.

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Know your options

You have the right to choose what tests to get and what treatments to accept. You also have the right to ask questions and get clear and accurate information about your test results and treatment options.

Furthermore, you should also know your options for follow-up care, such as referrals to specialists, counseling, or support groups.

Not only that, but you should also know your options for notifying and testing your partner(s), as some STDs require partner notification by law or by public health guidelines.


How to Find an Urgent Care Center Near You

If you are looking for an urgent care center near you that offers STD testing, you can use the Solv app to find and book an appointment online.

Solv is a free app that helps you find the best urgent care centers in your area, compare wait times, read reviews, and get directions.

You can also see what services each center offers, what insurance they accept, and what fees they charge. Solv makes it easy and convenient to get the care you need, when you need it.


STD testing is an important part of your sexual health and well-being. If you are sexually active, you should get tested regularly, especially if you have any risk factors or symptoms.

Urgent care centers can provide you with fast, affordable, and discreet STD testing, as well as treatment and follow-up care.

You can use the Solv app to find and book an appointment at an urgent care center near you. Don’t let fear, shame, or cost stop you from getting tested. Take charge of your health and get tested today.