Know your options
before you overpay.
We compare free clinics, insurance-covered tests, and cash-pay labs — so you see what others don’t show you.
What do you need help with?
Common privacy and cost questions
Private testing without insurance
Cash-pay labs, public clinics, at-home kits, and what privacy each route actually protects.
Can parents see an STD test?
How EOBs work when you are on a parent's plan, plus state privacy protections.
Can I test without parents knowing?
Minor consent, public clinics, cash-pay labs, and the insurance EOB risk.
Cash-pay STD test privacy
What stays off insurance and what records still exist when you self-pay.
Can Quest or Labcorp show on insurance?
When lab claims create EOBs, and when self-pay avoids shared-plan records.
Privacy request generator
Create a plain-English request asking your insurer to send sensitive claim communications only to you.
Find testing routes by city
What happened?
Tell us and we’ll recommend exactly what you need.
Compare every option
ACA Preventive Screening
Insurance-covered at in-network lab
Most ACA-compliant plans cover CT, GC, HIV, and syphilis screening with no cost-sharing for eligible patients — coverage depends on age, risk, and how the visit is coded.
SF City Clinic
Public health clinic
Often free or low-cost. Confirm hours, eligibility, and what’s offered before going.
Labcorp OnDemand
Cash-pay lab — CT + GC
Cheapest mainstream cash-pay panel for the two most common bacterial STIs.
Ally Essential 5
CT, GC, HIV, Syphilis, Trich
Five clinically actionable STIs in one cash-pay panel.
STDcheck 10-Panel
Cash-pay comprehensive panel
Includes HSV 1/2, Hepatitis B/C, and more. Same Quest collection sites used by ACA orders.
LetsGetChecked Standard 5
At-home self-collect kit
Mailed to your address. You collect samples and ship back to the CLIA-certified lab.
The system is confusing on purpose.
Most screening is free by law
The ACA requires $0 cost-sharing for HIV, syphilis, hepatitis, and chlamydia/gonorrhea screening when ordered as preventive care at in-network providers.
ACA Section 2713
California has confidential communication protections
AB 1184 entitles you to confidential communications for sensitive services like STI testing — you may need to submit a request to your insurer, and timing/process varies. Ask your plan how to opt in.
California AB 1184
Get treated in hours
Positive for chlamydia? A telehealth provider prescribes doxycycline in 30 minutes. Pick it up at your pharmacy for $4. Total time: under 2 hours.
CDC Treatment Guidelines
Build your perfect panel
Pick exactly the tests you need. Volume discounts on 3+ tests.
Ask a clinician about
prevention options.
Some prevention options work only within a short window after sex. CDC recommends discussing doxy-PEP with a clinician for certain higher-risk groups (primarily gay/bisexual men and transgender women with a recent bacterial STI). HIV PEP is a separate 28-day medication that may be appropriate after some exposures and is also time-sensitive. A licensed clinician can decide what fits your situation.
CDC STI Treatment Guidelines · CDC PEP guidance
Talk to a clinician about time-sensitive options
A telehealth or in-person visit can review HIV PEP and (for eligible groups) doxy-PEP. Public STI clinics can also handle this.
Plan your testing
Different infections have different detection windows — CT/GC at ~1–2 weeks, HIV typically conclusive by ~45 days. Our exposure guide explains the timeline.
General information — not medical advice or a prescription. Always consult a clinician for diagnosis and treatment.
Tell us your situation
We recommend tests based on CDC screening guidelines and your timeline. No jargon, no guessing.
See every option
Free clinics, insurance-covered, cash-pay, at-home kits — ranked by what matters to you. We show the ones others hide.
We help you follow through
We don't collect your test results — you receive them directly from the lab. We point you at retest windows, treatment routes if a clinician confirms a positive result, and the right next questions to ask. (Optional reminders are coming later.)
Stop overpaying.
Stop guessing.
Tell us your situation. We’ll show you every option — including the free ones nobody else mentions.
Find your options